1315 Ramsay Cir, Walnut Creek, CA 94597 Property Records

Contra Costa County property record for 1315 Ramsay Cir, Walnut Creek, CA 94597

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,790 sqft · built 1969
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on File
Last Sale	$839,000 (Oct 2004)
Tax Bill	$13,918 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`175-241-026-4`

Property Details

APN / Parcel Number

Primary APN	`175-241-026-4`
Alternative APN	`175-241-026`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,790 sqft Living Area
Gross Area	3,227 sqft
1st Floor Area	1,662 sqft
2nd Floor Area	1,128 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1970
Exterior Material	Wood
Roof Material	Tile
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	111 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1315 RAMSAY CIR
City	WALNUT CREEK
State	CA
Zip	94597-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3606 LOT 24 EX 1/2 MR
Legal Subdivision	SUBDIVISION 3606
Legal Tract	3606
Legal Lot Number	24
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3007
Census Tract	340003

Owner

1315 Ramsay Cir is owned and occupied by two individuals who bought it in October 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 14, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
May 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2004 · Amount on File
Deed Sale	Oct 28, 2004 · Amount on File
Prior Sale	Jun 2, 1999 · Amount on File
Deed Document Number	2004412451
Prior Transfer Date	Jan 24, 1994
Prior Transfer Doc	0000024710
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340

Mortgage

Document Number	0000089540
Date	Sep 15, 2023
Instrument	2023-089540

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005307
Date	Jan 14, 2019
Instrument	2019-005307

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 26, 2021
Property Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340
Document Number	0000155905
Map Reference	MB 116 PG 23
Instrument Date	May 21, 2021
Instrument	2021-155905
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Relationship	Community Property with Right of Survivorship
Address	1315 RAMSAY CIR, WALNUT CREEK, CA 94597-2340

Mortgage

Document Number	0000155906
Date	May 26, 2021
Instrument	2021-155906

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1315 Ramsay Cir was $13,918 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,192,865 (+2%) Land $710,889 Building $481,976
2025	$13,918.00 Homeowner's exemption	$1,169,476 Land $696,950 Building $472,526
2023	$13,400.00 (+2.26%) Homeowner's exemption	$1,124,066 Land $669,888 Building $454,178
2022	$13,104.00

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

Flood

FEMA maps place 1315 Ramsay Cir in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 1315 Ramsay Cir is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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