188 Moraga Rd, Moraga, CA 94556 Property Records

Contra Costa County property record for 188 Moraga Rd, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,943 sqft · built 1989
Lot Size	1.07 acres (46,973 sqft)
Owner	Company Name on Record
Last Sale	$775,000 (Apr 2003)
Tax Bill	$14,218 (2025)
Deeds & Mortgages	Nov 2022 Transfer Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`255-520-003-5`

Property Details

APN / Parcel Number

Primary APN	`255-520-003-5`
Alternative APN	`255-520-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,943 sqft Living Area
1st Floor Area	1,912 sqft
2nd Floor Area	1,031 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	46,973 sqft
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	188 MORAGA RD
City	MORAGA
State	CA
Zip	94556-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 3605 LOT 3 EX MR
Legal Subdivision	SUBDIVISION 3605
Legal Tract	3605
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3006
Census Tract	350000

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	Company Name on Record
Mailing Address	188 MORAGA RD, MORAGA, CA 94556-1647
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Intrafamily Transfer, Transfer
Mar 10, 2017	Deed of Trust, Mortgage · ARM FREMONT BANK
Mar 10, 2017	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Feb 25, 2020	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2003 · Amount on Record
Deed Sale	Apr 3, 2003 · Amount on Record
Prior Sale	Apr 22, 1997 · Amount on Record
Deed Document Number	2003152065
Last Transfer Date	Nov 14, 2022
Transfer Doc	0000174717
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 17, 2022
Property Address	188 MORAGA RD, MORAGA, CA 94556-1647
Document Number	0000174717
Map Reference	MB 113 PG 18
Instrument Date	Nov 14, 2022
Instrument	2022-174717
Transaction Type	Transfer
Record Updated	Jun 7, 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	188 MORAGA RD, MORAGA, CA 94556-1647

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	188 MORAGA RD, MORAGA, CA 94556-1647
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042769
Date	Mar 10, 2017
Instrument	2017-042769

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	188 MORAGA RD, MORAGA, CA 94556-1647
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042768
Date	Mar 10, 2017
Instrument	2017-042768

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	188 MORAGA RD, MORAGA, CA 94556-1647
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034509
Date	Feb 25, 2020
Instrument	2020-034509

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	188 MORAGA RD, MORAGA, CA 94556-1647
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 MORAGA RD, MORAGA, CA 94556-1647

Mortgage

Document Number	0000048712
Date	Mar 18, 2022
Instrument	2022-048712

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	Other
Max Rate	8.37%

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		$1,144,889 (+2%) Land $452,044 Building $692,845
2025	$14,218.00 (+5.76%) Homeowner's exemption	$1,122,441 (+4.04%) Land $443,181 Building $679,260
2023	$13,444.00 (+1.58%) Homeowner's exemption	$1,078,858 Land $425,973 Building $652,885
2022	$13,235.00

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	5 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	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.2% 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 169 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

May also be available: Etheric Networks, Verizon.

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