1855 Saint Andrews Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 1855 Saint Andrews Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,903 sqft · built 1983
Lot Size	0.147 acres (6,392 sqft)
Owner	Trust Name on File
Last Sale	$1,101,500 (Nov 2020)
Tax Bill	$14,104 (2025)
Deeds & Mortgages	May 2021 Reverse Mortgage Nov 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`257-540-021-9`

Property Details

APN / Parcel Number

Primary APN	`257-540-021-9`
Alternative APN	`257-540-021`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,903 sqft Living Area
Gross Area	2,397 sqft
1st Floor Area	1,720 sqft
Basement Area	183 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1995
Architectural Style	Cluster
Lot Area	6,392 sqft (0.147 acres)
Garage Type	Attached
Garage Area	494 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	1855 SAINT ANDREWS DR
City	MORAGA
State	CA
Zip	94556-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	T05119 L0169 B EX MR
Legal Subdivision	SUBDIVISION 5119
Legal Tract	05119
Legal Lot Number	169
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1021
Census Tract	352202

Owner

1855 Saint Andrews Dr is owner-occupied and held in a trust since March 2021.

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

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

Owner of Record	Trust Name on File
Mailing Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage HIGHTECHLENDING INC
Nov 19, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Oct 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 14, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 28, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2020 · Amount on File
Deed Sale	Nov 19, 2020 · Amount on File
Prior Sale	Nov 14, 2018 · Amount on File
Deed Document Number	2020280677
Last Transfer Date	Mar 26, 2021
Transfer Doc	0000157598
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 27, 2021
Property Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Document Number	0000157598
Map Reference	MB 219 PG 31
Instrument Date	Mar 26, 2021
Instrument	2021-157598
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FNC TITLE OF CALIFORNIA

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	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057

Mortgage

Document Number	0000157599
Date	May 27, 2021
Instrument	2021-157599

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	1.82%
Type Change Date	Jun 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 19, 2020
Property Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Document Number	0000280677
Instrument Date	Nov 9, 2020
Instrument	280677
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,212.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1396 CAMINO PERAL MORAGA CA 945562017, MORAGA, CA 94556-2017

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 22, 2020
Property Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Document Number	0000246341
Instrument Date	Sep 24, 2020
Instrument	246341
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1855 SAINT ANDREWS DR MORAGA CA 945561057, MORAGA, CA 94556-1057

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 14, 2018
Property Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Document Number	0000184931
Map Reference	MB 219 PG 31
Instrument Date	Nov 9, 2018
Instrument	2018-184931
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE ORINDA

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
Relationship	Community Property with Right of Survivorship
Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057

Mortgage

Document Number	0000184932
Date	Nov 14, 2018
Instrument	2018-184932

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 28, 2018
Property Address	1855 SAINT ANDREWS DR, MORAGA, CA 94556-1057
Document Number	0000102935
Instrument Date	Jun 18, 2018
Instrument	102935
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 1855 Saint Andrews Dr was $14,104 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		$1,215,700 (+2%) Land $774,069 Building $441,631
2025	$14,104.00 Homeowner's exemption	$1,191,864 Land $758,892 Building $432,972
2023	$13,296.00 (-4.39%) Homeowner's exemption	$1,145,584 Land $729,424 Building $416,160
2022	$13,907.00

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

Flood

FEMA maps place 1855 Saint Andrews Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	9 in force
Nearby Flood Claims	2 (1982–1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides

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 1855 Saint Andrews Dr is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Unwired, Verizon.

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