130 Reflections Dr, Apt 28, San Ramon, CA 94583 Property Records

Contra Costa County property record for 130 Reflections Dr, Apt 28, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 749 sqft · built 1988
Lot Size	0.017 acres (723 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Feb 2026)
Tax Bill	$6,645 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`213-771-128-5`

Property Details

APN / Parcel Number

Primary APN	`213-771-128-5`
Alternative APN	`213-771-128`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	749 sqft Living Area
1st Floor Area	749 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	723 sqft (0.017 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	130 REFLECTIONS DR, 28
City	SAN RAMON
State	CA
Zip	94583-4725
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L1 B18 U28
Legal Subdivision	REFLECTIONS CONDO BLDG 18
Legal Tract	6780
Legal Block	18
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4002
Census Tract	345111

Owner

130 Reflections Dr, Apt 28 is owned by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	130 REFLECTIONS DR, 28, SAN RAMON, CA 94583-4725
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 8, 2021	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 29, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage COAST 2 COAST FUNDING GROUP INC
Aug 29, 2017	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Apr 8, 2021 · Amount on File
Deed Document Number	202619057
Prior Transfer Date	Aug 4, 2017
Prior Transfer Doc	0000157285
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 26, 2026
Property Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725
Document Number	0000019057
Map Reference	MB 26 PG 1
Instrument Date	Feb 4, 2026
Instrument	2026- 019057
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725

Mortgage

Document Number	0000019058
Date	Feb 26, 2026
Instrument	2026- 019058

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 8, 2021
Property Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725
Document Number	0000106082
Map Reference	MB 326 PG 1
Instrument Date	Mar 26, 2021
Instrument	2021-106082
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725
Investor	Possibly a Property Investor

Mortgage

Document Number	0000106083
Date	Apr 8, 2021
Instrument	2021-106083

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 29, 2017
Property Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725
Document Number	0000157285
Map Reference	MB326 PG1
Instrument Date	Aug 4, 2017
Instrument	2017-157285
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	690 CANYON CREST RD E, SAN RAMON, CA 94582-4884

Mortgage

Document Number	0000157286
Date	Aug 29, 2017
Instrument	2017-157286

Lender

Name	COAST 2 COAST FUNDING GROUP INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 29, 2017
Property Address	130 REFLECTIONS DR APT 28, 28, SAN RAMON, CA 94583-4725
Document Number	0000157287
Instrument Date	Aug 4, 2017
Instrument	157287
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	690 CANYON CREST RD E SAN RAMON CA 945824884, SAN RAMON, CA 94582-4884

Tax Assessment & Valuation

The 2025 property tax bill for 130 Reflections Dr, Apt 28 was $6,645.

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$460,000 (-13.27%) Land $277,000 Building $183,000
2025	$6,645.00	$530,390 Land $319,317 Building $211,073
2023	$6,441.00 (+0.16%)	$509,796 Land $306,918 Building $202,878
2022	$6,431.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 130 Reflections Dr, Apt 28 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 130 Reflections Dr, Apt 28 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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 686 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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