2097 Elderberry Dr, San Ramon, CA 94582 Property Records

Contra Costa County property record for 2097 Elderberry Dr, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,277 sqft · built 2018
Lot Size	0.143 acres (6,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,260,500 (Jul 2018)
Tax Bill	$30,481 (2025)
Deeds & Mortgages	Oct 2026 Transfer Oct 2026 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`222-790-040`

Property Details

APN / Parcel Number

Primary APN	`222-790-040`
Alternative APN	`222-790-040-0`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,277 sqft Living Area
1st Floor Area	2,560 sqft
2nd Floor Area	2,717 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	6,240 sqft (0.143 acres)
Garage Type	Attached
Garage Area	657 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2097 ELDERBERRY DR
City	SAN RAMON
State	CA
Zip	94582-5391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9301 L128
Legal Subdivision	GALE RANCH SUB 9301
Legal Tract	9301
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4015
Census Tract	345112

Owner

Source: Contra Costa County records, as of October 12, 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	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Oct 5, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Feb 4, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 26, 2018	Grant Deed, Subdivision Related Transfer · ARM CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	2018119337
Last Transfer Date	Oct 4, 2026
Transfer Doc	0000104941
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 5, 2026
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Document Number	0000104941
Instrument Date	Oct 4, 2026
Instrument	2026104941
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 5, 2026
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Document Number	0000104942
Instrument Date	Oct 4, 2026
Instrument	2026104942
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE RES INFO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153623
Date	Sep 26, 2018
Instrument	2018-153623

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391

Mortgage

Document Number	0000325531
Date	Dec 24, 2020
Instrument	2020-325531

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391

Mortgage

Document Number	0000163345
Date	Jun 4, 2021
Instrument	2021-163345

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391

Mortgage

Document Number	0000022494
Date	Feb 4, 2022
Instrument	2022-022494

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 26, 2018
Property Address	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391
Document Number	0000119337
Map Reference	MB 529 PG 25-44
Instrument Date	Jun 8, 2018
Instrument	2018-119337
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	WESTMINSTER TITLE COMPANY IN

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	2097 ELDERBERRY DR, SAN RAMON, CA 94582-5391

Mortgage

Document Number	0000119338
Date	Jul 26, 2018
Instrument	2018-119338

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
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	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,571,830 (+2%) Land $1,052,489 Building $1,519,341
2025	$30,481.00 (+3.87%) Homeowner's exemption	$2,521,402 (+4.04%) Land $1,031,852 Building $1,489,550
2023	$29,346.00 (+1.09%) Homeowner's exemption	$2,423,495 Land $991,785 Building $1,431,710
2022	$29,030.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	DUBLIN SAN RAMON SERVICES DISTRICT serves 98,776 people · EPA ID CA0110009
Water Source	Purchased surface water from ZONE 7 WATER AGENCY
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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