165 Natalie Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 165 Natalie Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,062 sqft · built 1968
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Trust Names on File
Last Sale	$1,415,000 (Jun 2020)
Tax Bill	$18,893 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-201-002-1`

Property Details

APN / Parcel Number

Primary APN	`256-201-002-1`
Alternative APN	`256-201-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,489 sqft
1st Floor Area	2,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	10,200 sqft (0.234 acres)
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	165 NATALIE DR
City	MORAGA
State	CA
Zip	94556-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3562 LOT 18 EX MR
Legal Subdivision	SUBDIVISION 3562
Legal Tract	3562
Legal Lot Number	18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3005
Census Tract	351200

Owner

165 Natalie Dr is owner-occupied and held in a trust since June 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	165 NATALIE DR, MORAGA, CA 94556-2423
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 17, 2017	Deed of Trust, Mortgage · ARM US BANK NA
Oct 17, 2017	Deed of Trust, Mortgage US BANK NA
Jan 2, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 16, 2020	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2020 · Amount on File
Deed Sale	Jun 16, 2020 · Amount on File
Prior Sale	Apr 26, 2002 · Amount on File
Deed Document Number	2020115907
Prior Transfer Date	Jul 3, 2007
Prior Transfer Doc	0000194090
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	165 NATALIE DR, MORAGA, CA 94556-2423
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190623
Date	Oct 17, 2017
Instrument	2017-190623

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	165 NATALIE DR, MORAGA, CA 94556-2423
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190624
Date	Oct 17, 2017
Instrument	2017-190624

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	165 NATALIE DR, MORAGA, CA 94556-2423
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOLIDIFI TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000294
Date	Jan 2, 2020
Instrument	2020-000294

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 16, 2020
Property Address	165 NATALIE DR, MORAGA, CA 94556-2423
Document Number	0000115907
Map Reference	MB 113 PG 1
Instrument Date	Jun 9, 2020
Instrument	2020-115907
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	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	165 NATALIE DR, MORAGA, CA 94556-2423

Mortgage

Document Number	0000115908
Date	Jun 16, 2020
Instrument	2020-115908

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 165 Natalie Dr was $18,893 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	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		$1,578,454 (+2%) Land $1,115,517 Building $462,937
2025	$18,893.00 Homeowner's exemption	$1,547,505 Land $1,093,645 Building $453,860
2023	$17,851.00 (+1.62%) Homeowner's exemption	$1,487,415 Land $1,051,178 Building $436,237
2022	$17,567.00

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

Flood

FEMA maps place 165 Natalie Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1980.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (1980–1995)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 165 Natalie Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Etheric Networks, Unwired, Verizon.

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