232 Cullens Ct, San Ramon, CA 94582 Property Records

Contra Costa County property record for 232 Cullens Ct, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,757 sqft · built 2005
Lot Size	0.152 acres (6,631 sqft)
Owner	2 Trust Names on File
Last Sale	$1,450,000 (Mar 2019)
Tax Bill	$23,881 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-320-072`

Property Details

APN / Parcel Number

Primary APN	`223-320-072`
Alternative APN	`223-320-072-0`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,757 sqft Living Area
1st Floor Area	1,836 sqft
2nd Floor Area	1,921 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	6,631 sqft (0.152 acres)
Garage Type	Attached
Garage Area	659 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	232 CULLENS CT
City	SAN RAMON
State	CA
Zip	94582-5697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8715 L272
Legal Subdivision	SUBDIVISION 8715
Legal Tract	8715
Legal Lot Number	272
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	2
Census Block	2000
Census Tract	355124

Owner

232 Cullens Ct is owner-occupied and held in a trust since March 2019.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	232 CULLENS CT, SAN RAMON, CA 94582-5697
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Intrafamily Transfer, Transfer
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Mar 21, 2019	Grant Deed, Transfer · ARM FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2019 · Amount on File
Deed Sale	Mar 21, 2019 · Amount on File
Prior Sale	Jun 18, 2010 · Amount on File
Deed Document Number	201939013
Prior Transfer Date	May 18, 2011
Prior Transfer Doc	0000106432
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 9, 2026
Property Address	232 CULLENS CT, SAN RAMON, CA 94582-5697
Document Number	0000002679
Map Reference	MB 459 PG 39
Instrument Date	Jan 7, 2026
Instrument	2026- 002679
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CULLENS CT, SAN RAMON, CA 94582-5697

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 CULLENS CT, SAN RAMON, CA 94582-5697
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE SAN JOSE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000193794
Date	Sep 4, 2020
Instrument	2020-193794

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 21, 2019
Property Address	232 CULLENS CT, SAN RAMON, CA 94582-5697
Document Number	0000039013
Map Reference	MB 459 PG 39
Instrument Date	Mar 15, 2019
Instrument	2019-039013
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	232 CULLENS CT, SAN RAMON, CA 94582-5697

Mortgage

Document Number	0000039014
Date	Mar 21, 2019
Instrument	2019-039014

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 232 Cullens Ct was $23,881.

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		$1,649,847 (+2%) Land $796,478 Building $853,369
2025	$23,881.00	$1,617,498 Land $780,861 Building $836,637
2023	$23,469.00 (+2.03%)	$1,554,690 Land $750,540 Building $804,150
2022	$23,002.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 232 Cullens Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 232 Cullens Ct is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 327 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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