140 Reflections Dr, Apt 12, San Ramon, CA 94583 Property Records

Contra Costa County property record for 140 Reflections Dr, Apt 12, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 624 sqft · built 1988
Lot Size	0.012 acres (510 sqft)
Owner	Individual Name on File
Last Sale	$510,500 (Dec 2023)
Tax Bill	$6,459 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-771-042-8`

Property Details

APN / Parcel Number

Primary APN	`213-771-042-8`
Alternative APN	`213-771-042`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	510 sqft (0.012 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	140 REFLECTIONS DR, 12
City	SAN RAMON
State	CA
Zip	94583-4727
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L1 B17 U12
Legal Subdivision	REFLECTIONS SUB 6780
Legal Tract	6780
Legal Block	17
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

140 Reflections Dr, Apt 12 is owned and occupied by an individual who acquired it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	140 REFLECTIONS DR, 12, SAN RAMON, CA 94583-4727
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Mar 12, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage OAKTREE FUNDING CORP
Dec 12, 2023	Grant Deed, Transfer · Commercial Mortgage LAN ZHANG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2023 · Amount on File
Deed Sale	Dec 12, 2023 · Amount on File
Prior Sale	Sep 19, 2006 · Amount on File
Deed Document Number	2023131380
Last Transfer Date	Mar 7, 2024
Transfer Doc	0000022584
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	140 REFLECTIONS DR APT 12, 12, SAN RAMON, CA 94583-4727
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 MISSION BLVD, SANTA ROSA, CA 95409-5346

Mortgage

Document Number	0000186124
Date	Jun 29, 2021
Instrument	2021-186124

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 12, 2024
Property Address	140 REFLECTIONS DR APT 12, 12, SAN RAMON, CA 94583-4727
Document Number	0000022584
Map Reference	MB 326 PG 1
Instrument Date	Mar 7, 2024
Instrument	2024-022584
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	CHICAGO TITLE COMPANY

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	140 REFLECTIONS DR APT 12, 12, SAN RAMON, CA 94583-4727

Mortgage

Document Number	0000022585
Date	Mar 12, 2024
Instrument	2024-022585

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

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

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 12, 2023
Property Address	140 REFLECTIONS DR APT 12, 12, SAN RAMON, CA 94583-4727
Document Number	0000131380
Map Reference	MB 326 PG 1
Instrument Date	Nov 21, 2023
Instrument	2023-131380
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	140 REFLECTIONS DR APT 12, 12, SAN RAMON, CA 94583-4727

Mortgage

Document Number	0000131381
Date	Dec 12, 2023
Instrument	2023-131381

Lender

Name	LAN ZHANG
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 140 Reflections Dr, Apt 12 was $6,459 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	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$454,000 (-12.73%) Land $302,667 Building $151,333
2025	$6,459.00 Homeowner's exemption	$520,200 Land $346,800 Building $173,400
2023	$5,272.00 (+0.02%)	$402,349 Land $259,478 Building $142,871
2022	$5,271.00

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

Flood

FEMA maps place 140 Reflections Dr, Apt 12 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 140 Reflections Dr, Apt 12 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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