2320 Millstream Ln, San Ramon, CA 94582 Property Records

Contra Costa County property record for 2320 Millstream Ln, San Ramon, CA 94582

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,346 sqft · built 2003
Lot Size	0.027 acres (1,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$866,000 (Jun 2020)
Tax Bill	$13,865 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-350-010-3`

Property Details

APN / Parcel Number

Primary APN	`223-350-010-3`
Alternative APN	`223-350-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,346 sqft Living Area
1st Floor Area	1,172 sqft
2nd Floor Area	968 sqft
Basement Area	206 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Lot Area	1,187 sqft (0.027 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2320 MILLSTREAM LN
City	SAN RAMON
State	CA
Zip	94582-2899
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T8669 L1 U10
Legal Subdivision	WINDEMERE AMBRIDGE SUB 8669
Legal Tract	8669
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	1
Census Block	1002
Census Tract	355115

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 Individual Names on Record
Mailing Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jun 16, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2020 · Amount on Record
Deed Sale	Jun 16, 2020 · Amount on Record
Prior Sale	Mar 24, 2004 · Amount on Record
Deed Document Number	2020115958
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899

Mortgage

Document Number	0000015651
Date	Jan 26, 2022
Instrument	2022-015651

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Feb 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Month LIBOR
Max Rate	8.62%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899

Mortgage

Document Number	0000111235
Date	Apr 14, 2021
Instrument	2021-111235

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 16, 2020
Property Address	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899
Document Number	0000115958
Map Reference	MB 451 PG 47
Instrument Date	Jun 9, 2020
Instrument	2020-115958
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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	2320 MILLSTREAM LN, SAN RAMON, CA 94582-2899

Mortgage

Document Number	0000115959
Date	Jun 16, 2020
Instrument	2020-115959

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

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		$965,809 (+2%) Land $580,066 Building $385,743
2025	$13,865.00 (+1.59%) Homeowner's exemption	$946,873 (+4.04%) Land $568,693 Building $378,180
2023	$13,648.00 (+1.43%) Homeowner's exemption	$910,107 Land $546,611 Building $363,496
2022	$13,456.00

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 A, within 500 ft
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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 669 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
Sail Internet Fixed Wireless · DSL in parts of the area	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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