124 Derby Ln, Moraga, CA 94556 Property Records

Contra Costa County property record for 124 Derby Ln, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,057 sqft · built 1973
Lot Size	1.79 acres (78,309 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,000,000 (Apr 2023)
Tax Bill	$47,963 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-281-008-1`

Property Details

APN / Parcel Number

Primary APN	`256-281-008-1`
Alternative APN	`256-281-008`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	5,057 sqft Living Area
1st Floor Area	3,540 sqft
2nd Floor Area	1,517 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1986
Lot Area	78,309 sqft
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	124 DERBY LN
City	MORAGA
State	CA
Zip	94556-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 4005 LOT 22 EX MR
Legal Subdivision	SUBDIVISION 4005
Legal Tract	4005
Legal Lot Number	22
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1011
Census Tract	352101

Owner

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	124 DERBY LN, MORAGA, CA 94556-2155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Conventional Mortgage CIBC BANK USA
Apr 25, 2023	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Oct 24, 2022	Affidavit of Death of Joint Tenant, Transfer
Nov 4, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Deed Document Number	202338047
Prior Transfer Date	Oct 7, 2022
Prior Transfer Doc	0000170179
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	124 DERBY LN, MORAGA, CA 94556-2155
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 DERBY LN, MORAGA, CA 94556-2155

Mortgage

Document Number	0000025598
Date	Mar 20, 2024
Instrument	2024-025598

Lender

Name	CIBC BANK USA
Type	Bank
Address	WORTH, IL 60482

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Max Rate	11%

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 25, 2023
Property Address	124 DERBY LN, MORAGA, CA 94556-2155
Document Number	0000038047
Map Reference	MB 133 PG 14
Instrument Date	Apr 19, 2023
Instrument	2023-038047
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	124 DERBY LN, MORAGA, CA 94556-2155

Mortgage

Document Number	0000038048
Date	Apr 25, 2023
Instrument	2023-038048

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.85%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 24, 2022
Property Address	124 DERBY LN, MORAGA, CA 94556-2155
Document Number	0000165138
Map Reference	MB 133 PG 14
Instrument Date	Oct 7, 2022
Instrument	2022-165138
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 4, 2022
Property Address	124 DERBY LN, MORAGA, CA 94556-2155
Document Number	0000170179
Map Reference	MB 133 PG 14
Instrument Date	Oct 7, 2022
Instrument	2022-170179
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20670 CORSAIR BLVD, HAYWARD, CA 94545-1008

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Moraga Town
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Moraga Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,325,000 (-20.1%) Land $2,327,500 Building $997,500
2025	$47,963.00 (+461.36%) Homeowner's exemption	$4,161,600 (+564.47%) Land $2,913,120 Building $1,248,480
2023	$8,544.00 (+1.52%) Homeowner's exemption	$626,303 Land $65,953 Building $560,350
2022	$8,416.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, Verizon.

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