1866 School St, Moraga, CA 94556 Property Records

Contra Costa County property record for 1866 School St, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,055 sqft · built 1970
Lot Size	0.482 acres (21,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,555,000 (Nov 2020)
Tax Bill	$23,587 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`257-420-025-5`

Property Details

APN / Parcel Number

Primary APN	`257-420-025-5`
Alternative APN	`257-420-025`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,055 sqft Living Area
1st Floor Area	2,055 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Lot Area	21,000 sqft (0.482 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1866 SCHOOL ST
City	MORAGA
State	CA
Zip	94556-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3787 LOT 1 EX MR
Legal Subdivision	SUBDIVISION 3787
Legal Tract	3787
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1022
Census Tract	352202

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 Company Names on Record
Mailing Address	1004 SCHOOL ST, MORAGA, CA 94556-1143
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Intrafamily Transfer, Transfer
Jun 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Apr 19, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 10, 2020	Grant Deed, Transfer · Conventional Mortgage AXOS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	May 5, 2011 · Amount on Record
Deed Document Number	2020269314
Last Transfer Date	Apr 18, 2022
Transfer Doc	0000067792
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 5, 2023
Property Address	1866 SCHOOL ST, MORAGA, CA 94556-1729
Document Number	0000053008
Map Reference	MB 124 PG 47
Instrument Date	Jun 1, 2023
Instrument	2023-053008
Transaction Type	Transfer
Record Updated	Jun 14, 2023

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
Relationship	Family Trust
Address	1004 SCHOOL ST, MORAGA, CA 94556-1143

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1866 SCHOOL ST, MORAGA, CA 94556-1729
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112534
Date	Jun 23, 2017
Instrument	2017-112534

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1866 SCHOOL ST, MORAGA, CA 94556-1729
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 SCHOOL ST, MORAGA, CA 94556-1753

Mortgage

Document Number	0000077857
Date	May 5, 2022
Instrument	2022-077857

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 19, 2022
Property Address	1866 SCHOOL ST, MORAGA, CA 94556-1729
Document Number	0000067792
Map Reference	MB 124 PG 47
Instrument Date	Apr 18, 2022
Instrument	2022-067792
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 10, 2020
Property Address	1866 SCHOOL ST, MORAGA, CA 94556-1729
Document Number	0000269314
Map Reference	MB 124 PG 47
Instrument Date	Nov 3, 2020
Instrument	2020-269314
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN 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
Address	1866 SCHOOL ST, MORAGA, CA 94556-1729

Mortgage

Document Number	0000269315
Date	Nov 10, 2020
Instrument	2020-269315

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2025
Change Frequency	Monthly
Min Rate At Change	5.12%
Max Rate At Change	11.1%
Index	1-Year LIBOR
Max Rate	11.1%

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		$2,000,395 (+2%) Land $1,731,890 Building $268,505
2025	$23,587.00 (+8.45%)	$1,961,173 (+6.82%) Land $1,697,932 Building $263,241
2023	$21,749.00 (+14.07%)	$1,836,000 Land $1,632,000 Building $204,000
2022	$19,066.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Moderate above 59% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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 373 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

May also be available: AT&T, Etheric Networks, Verizon.

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