2827 Ruff Ave, Pinole, CA 94564 Property Records

Contra Costa County property record for 2827 Ruff Ave, Pinole, CA 94564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,839 sqft · built 1959
Lot Size	0.233 acres (10,147 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`360-162-009-3`

Property Details

APN / Parcel Number

Primary APN	`360-162-009-3`
Alternative APN	`360-162-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,839 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1971
Lot Area	10,147 sqft (0.233 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2827 RUFF AVE
City	PINOLE
State	CA
Zip	94564-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2295 LOT 3 LESS MRR
Legal Subdivision	2295
Legal Tract	2295
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	2827 RUFF AVE, PINOLE, CA 94564-1433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2827 RUFF AVE, PINOLE, CA 94564-1433
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2827 RUFF AVE, PINOLE, CA 94564-1433

Mortgage

Document Number	0000098969
Date	Sep 23, 2025
Instrument	2025- 098969

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2827 RUFF AVE, PINOLE, CA 94564-1433
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061960
Date	Apr 1, 2020
Instrument	2020-061960

Lender

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

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2827 RUFF AVE, PINOLE, CA 94564-1433
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074867
Date	May 22, 2019
Instrument	2019-074867

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2827 RUFF AVE, PINOLE, CA 94564-1433
Document Number	0000150348
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2827 RUFF AVE PINOLE CA 945641433, PINOLE, CA 94564-1433

Mortgage

Document Number	0000150348
Date	Sep 19, 2018
Instrument	150348

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

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		$269,342 (+2%) Land $71,670 Building $197,672
2025	$4,650.00 (+6.55%) Homeowner's exemption	$264,062 (+4.04%) Land $70,265 Building $193,797
2023	$4,364.00 (+0.79%) Homeowner's exemption	$253,811 Land $67,538 Building $186,273
2022	$4,330.00

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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