245 Reflections Dr, Apt 26, San Ramon, CA 94583 Property Records

Contra Costa County property record for 245 Reflections Dr, Apt 26, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 949 sqft · built 1988
Lot Size	0.025 acres (1,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Jun 2015)
Tax Bill	$6,693 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-781-118-4`

Property Details

APN / Parcel Number

Primary APN	`213-781-118-4`
Alternative APN	`213-781-118`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	949 sqft Living Area
1st Floor Area	949 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	1,078 sqft (0.025 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, 26
City	SAN RAMON
State	CA
Zip	94583-4735
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B6 U26
Legal Subdivision	REFLECTIONS CONDO PLAN BLDG-6
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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	245 REFLECTIONS DR, 26, SAN RAMON, CA 94583-4735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2015 · Amount on Record
Deed Sale	Jun 9, 2015 · Amount on Record
Prior Sale	Aug 29, 2008 · Amount on Record
Deed Document Number	2015116980
Prior Transfer Date	Jan 31, 2009
Prior Transfer Doc	0000044157
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	245 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4735
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 REFLECTIONS DR 26, 26, SAN RAMON, CA 94583-4735

Mortgage

Document Number	0000219510
Date	Aug 6, 2021
Instrument	2021-219510

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 16, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	245 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4735
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032848
Date	Feb 21, 2020
Instrument	2020-032848

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	245 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4735
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 REFLECTIONS DR 26, 26, SAN RAMON, CA 94583-4735

Mortgage

Document Number	0000261631
Date	Nov 4, 2020
Instrument	2020-261631

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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		$545,509 (+2%) Land $338,646 Building $206,863
2025	$6,693.00 (+3.18%)	$534,813 (+4.04%) Land $332,006 Building $202,807
2023	$6,487.00 (+0.15%)	$514,048 Land $319,115 Building $194,933
2022	$6,477.00

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

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

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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