265 Reflections Dr, Apt 18, San Ramon, CA 94583 Property Records

Contra Costa County property record for 265 Reflections Dr, Apt 18, 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	Individual Name on Record
Last Sale	$495,000 (Apr 2022)
Tax Bill	$6,425 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`213-781-060-8`

Property Details

APN / Parcel Number

Primary APN	`213-781-060-8`
Alternative APN	`213-781-060`

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	265 REFLECTIONS DR, 18
City	SAN RAMON
State	CA
Zip	94583-4737
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B8 U18
Legal Subdivision	REFLECTIONS CONDO
Legal Tract	6780
Legal Block	8
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	Individual Name on Record
Mailing Address	265 REFLECTIONS DR, 18, SAN RAMON, CA 94583-4737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Apr 28, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 19, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Apr 18, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage COAST 2 COAST FNDG
Jul 14, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	Apr 10, 2015 · Amount on Record
Deed Document Number	202273580
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032245
Date	Feb 22, 2017
Instrument	2017-032245

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 REFLECTIONS DR, SAN RAMON, CA 94583-4737

Mortgage

Document Number	0000213648
Date	Sep 23, 2020
Instrument	2020-213648

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

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

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 28, 2022
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Document Number	0000073580
Map Reference	MB 326 PG 1
Instrument Date	Apr 27, 2022
Instrument	2022-073580
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS 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
Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737

Mortgage

Document Number	0000073581
Date	Apr 28, 2022
Instrument	2022-073581

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 19, 2018
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Document Number	0000060295
Instrument Date	Mar 20, 2018
Instrument	60295
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1964 VIA DI SALERNO PLEASANTON CA 945662119, PLEASANTON, CA 94566-2119

April 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 18, 2018
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Document Number	0000059824
Instrument Date	Mar 20, 2018
Instrument	59824
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1964 VIA DI SALERNO PLEASANTON CA 945662119, PLEASANTON, CA 94566-2119

Mortgage

Document Number	59825
Date	Apr 18, 2018
Instrument	59825

Lender

Name	COAST 2 COAST FNDG
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2048

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 14, 2017
Property Address	265 REFLECTIONS DR APT 18, 18, SAN RAMON, CA 94583-4737
Document Number	0000126484
Instrument Date	Jul 11, 2017
Instrument	126484
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$517.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4286 VERDIGRIS CIR SAN JOSE CA 951341547, SAN JOSE, CA 95134-1547

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		$420,000 (-17.65%) Land $296,970 Building $123,030
2025	$6,425.00 (+7.73%)	$510,000 (+9.44%) Land $360,606 Building $149,394
2023	$5,964.00 (+24.43%)	$466,000 Land $329,000 Building $137,000
2022	$4,793.00

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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