245 Reflections Dr, Apt 14, San Ramon, CA 94583 Property Records

Contra Costa County property record for 245 Reflections Dr, Apt 14, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 624 sqft · built 1988
Lot Size	0.015 acres (645 sqft)
Owner	Trust Name on File
Last Sale	$125,000 (Jan 2012)
Tax Bill	$2,603 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`213-781-040`

Property Details

APN / Parcel Number

Primary APN	`213-781-040`
Alternative APN	`213-781-040-0`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	645 sqft (0.015 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	245 REFLECTIONS DR, 14
City	SAN RAMON
State	CA
Zip	94583-4735
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B6 U14
Legal Subdivision	SUBDIVISION 6780
Legal Tract	6780
Legal Block	6
Legal Lot Number	2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	345111

Owner

245 Reflections Dr, Apt 14 is held in a trust since February 2019.

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

Owner of Record	Trust Name on File
Mailing Address	204 GLENWOOD CT, ALAMO, CA 94507-2785
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
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 28, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 7, 2019	Quit Claim Deed, Transfer Quitclaim
Sep 4, 2018	Quit Claim Deed, Transfer FWG NATIONAL TITLE INSURANCE COMPANY
Aug 31, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2012 · Amount on File
Deed Sale	Jan 30, 2012 · Amount on File
Prior Sale	Oct 2, 2006 · Amount on File
Deed Document Number	201221204
Last Transfer Date	Feb 20, 2019
Transfer Doc	0000031300
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 GLENWOOD CT, ALAMO, CA 94507-2785

Mortgage

Document Number	0000342298
Date	Dec 20, 2021
Instrument	2021-342298

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 28, 2019
Property Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735
Document Number	0000027514
Map Reference	MB 326 PG 1
Instrument Date	Feb 20, 2019
Instrument	2019-027514
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735

Mortgage

Document Number	0000027515
Date	Feb 28, 2019
Instrument	2019-027515

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 7, 2019
Property Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735
Document Number	0000031300
Instrument Date	Feb 20, 2019
Instrument	31300
Transaction Type	Transfer
Record Updated	Mar 18, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	245 REFLECTIONS DR #14 SAN RAMON CA 945834735, 14, SAN RAMON, CA 94583-4735

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 4, 2018
Property Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735
Document Number	0000140933
Instrument Date	Aug 27, 2018
Instrument	140933
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	FWG NATIONAL TITLE INSURANCE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	101 REDONDO WAY DANVILLE CA 945261938, DANVILLE, CA 94526-1938

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 31, 2018
Property Address	245 REFLECTIONS DR APT 14, 14, SAN RAMON, CA 94583-4735
Document Number	0000139965
Map Reference	DOC2006-0168641
Instrument Date	Aug 27, 2018
Instrument	2018-139965
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE INSURANCE

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
Relationship	Community Property with Right of Survivorship
Address	101 REDONDO WAY, DANVILLE, CA 94526-1938
Investor	Possibly a Property Investor

Mortgage

Document Number	0000139966
Date	Aug 31, 2018
Instrument	2018-139966

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 245 Reflections Dr, Apt 14 was $2,603.

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		$160,132 (+2%) Land $64,051 Building $96,081
2025	$2,603.00	$156,994 Land $62,796 Building $94,198
2023	$2,536.00 (-0.74%)	$150,899 Land $60,358 Building $90,541
2022	$2,555.00

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

Flood

FEMA maps place 245 Reflections Dr, Apt 14 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 245 Reflections Dr, Apt 14 is low, with less than 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 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	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 686 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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