1861 Joseph Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 1861 Joseph Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,603 sqft · built 1970
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,525,000 (Apr 2019)
Tax Bill	$20,630 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258-421-015-3`

Property Details

APN / Parcel Number

Primary APN	`258-421-015-3`
Alternative APN	`258-421-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,603 sqft Living Area
1st Floor Area	2,603 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1971
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1861 JOSEPH DR
City	MORAGA
State	CA
Zip	94556-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 3745 LOT 15 EX MR
Legal Subdivision	SUBDIVISION 3745
Legal Tract	3745
Legal Lot Number	15
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1021
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	1861 JOSEPH DR, MORAGA, CA 94556-2727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 17, 2019	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Prior Sale	Jun 28, 2002 · Amount on Record
Deed Document Number	201952843
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1861 JOSEPH DR, MORAGA, CA 94556-2727
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1861 JOSEPH DR, MORAGA, CA 94556-2727

Mortgage

Document Number	0000105601
Date	Jun 28, 2022
Instrument	2022-105601

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1861 JOSEPH DR, MORAGA, CA 94556-2727
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	LANDSAFE TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1861 JOSEPH DR, MORAGA, CA 94556-2727

Mortgage

Document Number	0000246518
Date	Sep 2, 2021
Instrument	2021-246518

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 17, 2019
Property Address	1861 JOSEPH DR, MORAGA, CA 94556-2727
Document Number	0000052843
Map Reference	MB 128 PG 5
Instrument Date	Apr 9, 2019
Instrument	2019-052843
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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	1861 JOSEPH DR, MORAGA, CA 94556-2727

Mortgage

Document Number	0000052844
Date	Apr 17, 2019
Instrument	2019-052844

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

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		$1,735,184 (+2%) Land $1,137,827 Building $597,357
2025	$20,630.00 (+5.85%)	$1,701,162 (+4.04%) Land $1,115,517 Building $585,645
2023	$19,489.00 (+1.62%)	$1,635,105 Land $1,072,201 Building $562,904
2022	$19,179.00

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	High above 82% of the US · above 61% of California
Wildfire Likelihood	0.7% 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 107 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
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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