2404 Millstream Ln, San Ramon, CA 94582 Property Records

Contra Costa County property record for 2404 Millstream Ln, San Ramon, CA 94582

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,180 sqft · built 2003
Lot Size	0.024 acres (1,054 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Apr 2015)
Tax Bill	$13,177 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`223-360-016-8`

Property Details

APN / Parcel Number

Primary APN	`223-360-016-8`
Alternative APN	`223-360-016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
1st Floor Area	1,035 sqft
2nd Floor Area	993 sqft
Basement Area	152 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Lot Area	1,054 sqft (0.024 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2404 MILLSTREAM LN
City	SAN RAMON
State	CA
Zip	94582-2801
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T8669 L1 U45
Legal Subdivision	SUBDIVISION 8669 WINDEMERE AMB
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

2404 Millstream Ln, a condominium, is owned and occupied by two individuals who bought it in April 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2404 MILLSTREAM LN, SAN RAMON, CA 94582-2801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2015 · Amount on File
Deed Sale	Apr 2, 2015 · Amount on File
Prior Sale	Oct 29, 2012 · Amount on File
Deed Document Number	201561701
Prior Transfer Date	Mar 6, 2015
Prior Transfer Doc	0000061700
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2404 MILLSTREAM LN, SAN RAMON, CA 94582-2801
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163232
Date	Sep 30, 2019
Instrument	2019-163232

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2404 MILLSTREAM LN, SAN RAMON, CA 94582-2801
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 MILLSTREAM LN, SAN RAMON, CA 94582-2801

Mortgage

Document Number	0000070141
Date	Mar 8, 2021
Instrument	2021-070141

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2404 Millstream Ln was $13,177 with a homeowner's exemption.

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		$901,014 (+2%) Land $539,386 Building $361,628
2025	$13,177.00 Homeowner's exemption	$883,348 Land $528,810 Building $354,538
2023	$12,983.00 (+1.45%) Homeowner's exemption	$849,049 Land $508,277 Building $340,772
2022	$12,797.00

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

Flood

FEMA maps place 2404 Millstream Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2404 Millstream Ln is low, with a 0.01% annual chance of 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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