140 Derby Ln, Moraga, CA 94556 Property Records

Contra Costa County property record for 140 Derby Ln, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,055 sqft · built 1972
Lot Size	0.433 acres (18,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,775,000 (Jun 2021)
Tax Bill	$25,158 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-281-006-5`

Property Details

APN / Parcel Number

Primary APN	`256-281-006-5`
Alternative APN	`256-281-006`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,055 sqft Living Area
1st Floor Area	3,055 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1978
Lot Area	18,850 sqft (0.433 acres)
Lot Dimensions	137 ft deep x 144 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	140 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 20 EX MR
Legal Subdivision	SUBDIVISION 4005
Legal Tract	4005
Legal Lot Number	20
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	140 DERBY LN, MORAGA, CA 94556-2155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 14, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Prior Sale	Jun 22, 1999 · Amount on Record
Deed Document Number	2021172236
Prior Transfer Date	Mar 25, 2013
Prior Transfer Doc	0000078276
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	140 DERBY LN, MORAGA, CA 94556-2155
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 DERBY LN, MORAGA, CA 94556-2155

Mortgage

Document Number	0000137890
Date	Dec 10, 2025
Instrument	2025- 137890

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 14, 2021
Property Address	140 DERBY LN, MORAGA, CA 94556-2155
Document Number	0000172236
Map Reference	MB 133 PG 14
Instrument Date	Jun 8, 2021
Instrument	2021-172236
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST NATIONAL 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	140 DERBY LN, MORAGA, CA 94556-2155

Mortgage

Document Number	0000172237
Date	Jun 14, 2021
Instrument	2021-172237

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.5%
Type Change Date	Jul 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	3.5%
Index	Other
Margin	3
Max Rate	6.5%

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		$2,152,954 (+2%) Land $1,490,507 Building $662,447
2025	$25,158.00 (+5.88%) Homeowner's exemption	$2,110,740 (+4.04%) Land $1,461,282 Building $649,458
2023	$23,760.00 (+1.64%) Homeowner's exemption	$2,028,780 Land $1,404,540 Building $624,240
2022	$23,377.00

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

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 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 229 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Etheric Networks, Verizon.

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