27 Sanders Ranch Rd, Moraga, CA 94556 Property Records

Contra Costa County property record for 27 Sanders Ranch Rd, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,720 sqft · built 1984
Lot Size	0.288 acres (12,543 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Dec 1995)
Tax Bill	$12,612 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258-630-012-7`

Property Details

APN / Parcel Number

Primary APN	`258-630-012-7`
Alternative APN	`258-630-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,720 sqft Living Area
1st Floor Area	2,720 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Architectural Style	Cluster
Lot Area	12,543 sqft (0.288 acres)
Garage Type	Attached
Garage Area	686 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	27 SANDERS RANCH RD
City	MORAGA
State	CA
Zip	94556-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2PDDT
Legal Description	T6143B L0024 B EX MR
Legal Subdivision	SUBDIVISION 6143
Legal Tract	6143B
Legal Lot Number	0024
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4006
Census Tract	352102

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 File
Mailing Address	27 SANDERS RANCH RD, MORAGA, CA 94556-2802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
Nov 27, 2018	Deed of Trust, Mortgage · ARM CITIBANK NA
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 1995 · Amount on File
Deed Sale	Dec 22, 1995 · Amount on File
Deed Document Number	1995222451
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	27 SANDERS RANCH RD, MORAGA, CA 94556-2802
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000177546
Date	Sep 28, 2017
Instrument	2017-177546

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	27 SANDERS RANCH RD, MORAGA, CA 94556-2802
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190715
Date	Nov 27, 2018
Instrument	2018-190715

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	27 SANDERS RANCH RD, MORAGA, CA 94556-2802
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 SANDERS RANCH RD, MORAGA, CA 94556-2802

Mortgage

Document Number	0000211142
Date	Jul 28, 2021
Instrument	2021-211142

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate

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	Moraga Town
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Moraga Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$999,732 (+2%) Land $484,615 Building $515,117
2025	$12,612.00 (+5.73%) Homeowner's exemption	$980,130 (+4.04%) Land $475,113 Building $505,017
2023	$11,928.00 (+1.57%) Homeowner's exemption	$942,072 Land $456,665 Building $485,407
2022	$11,744.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, Unwired.

Cell Coverage

5G and 4G LTE (outdoors only)

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