1957 Joseph Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 1957 Joseph Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,330 sqft · built 1986
Lot Size	0.966 acres (42,090 sqft)
Owner	Company Name on Record
Last Sale	$1,200,000 (Aug 2004)
Tax Bill	$20,786 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258-611-008-8`

Property Details

APN / Parcel Number

Primary APN	`258-611-008-8`
Alternative APN	`258-611-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,330 sqft Living Area
1st Floor Area	2,330 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Lot Area	42,090 sqft (0.966 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1957 JOSEPH DR
City	MORAGA
State	CA
Zip	94556-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	PCL MAP 87 PG 43 PCL A EX MR
Legal Subdivision	PM 87 43
Legal Tract	87PM43
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	Company Name on Record
Mailing Address	1957 JOSEPH DR, MORAGA, CA 94556-2712
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK NATIONAL ASS
May 29, 2019	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Dec 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2004 · Amount on Record
Deed Sale	Aug 19, 2004 · Amount on Record
Prior Sale	Jul 18, 1995 · Amount on Record
Deed Document Number	2004321171
Last Transfer Date	Jun 20, 2016
Transfer Doc	0000204264
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1957 JOSEPH DR, MORAGA, CA 94556-2712
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1957 JOSEPH DR, MORAGA, CA 94556-2712

Mortgage

Document Number	0000013547
Date	Feb 11, 2026
Instrument	2026- 013547

Lender

Name	MORGAN STANLEY PRIVATE BANK NATIONAL ASS
Address	4270 IVY POINTE BLVD STE 400, CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

Interest

Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1957 JOSEPH DR, MORAGA, CA 94556-2712
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078256
Date	May 29, 2019
Instrument	2019-078256

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1957 JOSEPH DR, MORAGA, CA 94556-2712
Document Number	0000239688
Instrument Date	Dec 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE 365 CORAOPOLIS PA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1957 JOSEPH DR MORAGA CA 945562712, MORAGA, CA 94556-2712

Mortgage

Document Number	0000239688
Date	Dec 21, 2017
Instrument	239688

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 20, 2032

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		$1,754,950 (+2%) Land $1,013,731 Building $741,219
2025	$20,786.00 (+5.87%) Homeowner's exemption	$1,720,540 (+4.04%) Land $993,854 Building $726,686
2023	$19,634.00 (+4.29%) Homeowner's exemption	$1,653,731 Land $955,262 Building $698,469
2022	$18,827.00

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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