2808 Ruff Ave, Pinole, CA 94564 Property Records

Contra Costa County property record for 2808 Ruff Ave, Pinole, CA 94564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 1959
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Tax Bill	$3,160 (2025)
Deeds & Mortgages	May 2017 Reverse Mortgage Jan 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`360-164-002-6`

Property Details

APN / Parcel Number

Primary APN	`360-164-002-6`
Alternative APN	`360-164-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,355 sqft Living Area
Gross Area	1,705 sqft
1st Floor Area	1,355 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Block
Construction Type	Frame
Lot Area	5,400 sqft (0.124 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2808 RUFF AVE
City	PINOLE
State	CA
Zip	94564-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2295 LOT 9 LESS MRR
Legal Subdivision	SUBDIVISION 2295
Legal Tract	2295
Legal Lot Number	9
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1007
Census Tract	359202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2808 RUFF AVE, PINOLE, CA 94564-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Jan 10, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC
May 5, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 7, 2021
Transfer Doc	0000005323
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2808 RUFF AVE, PINOLE, CA 94564-1434
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082487
Date	May 12, 2017
Instrument	2017-082487

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.39%
Type Change Date	Jun 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 10, 2022
Property Address	2808 RUFF AVE, PINOLE, CA 94564-1434
Document Number	0000005323
Map Reference	MB 72 PG 3
Instrument Date	Dec 7, 2021
Instrument	2022-005323
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

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
Address	2808 RUFF AVE, PINOLE, CA 94564-1434

Mortgage

Document Number	0000005324
Date	Jan 10, 2022
Instrument	2022-005324

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.19%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.19%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2808 RUFF AVE, PINOLE, CA 94564-1434
Document Number	0000082488
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2808 RUFF AVE PINOLE CA 945641434, PINOLE, CA 94564-1434

Mortgage

Document Number	0000082488
Date	May 12, 2017
Instrument	82488

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.39%

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	Pinole City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$146,646 (+2%) Land $62,351 Building $84,295
2025	$3,160.00 (+7.52%)	$143,772 (+4.04%) Land $61,129 Building $82,643
2023	$2,939.00 (+3.85%)	$138,191 Land $58,756 Building $79,435
2022	$2,830.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Unwired.

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