285 Reflections Dr, Apt 13, San Ramon, CA 94583 Property Records

Contra Costa County property record for 285 Reflections Dr, Apt 13, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 949 sqft · built 1988
Lot Size	0.024 acres (1,057 sqft)
Owner	2 Company Names on Record
Last Sale	$645,000 (Apr 2025)
Tax Bill	$7,563 (2025)
Deeds & Mortgages	May 2026 Sale Jan 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`213-781-071-5`

Property Details

APN / Parcel Number

Primary APN	`213-781-071-5`
Alternative APN	`213-781-071`

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	1,057 sqft (0.024 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	285 REFLECTIONS DR, 13
City	SAN RAMON
State	CA
Zip	94583-4769
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B10 U13
Legal Subdivision	REFLECTIONS SUB 6780
Legal Tract	6780
Legal Block	10
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	285 REFLECTIONS DR, 13, SAN RAMON, CA 94583-4769
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 20, 2020	Quit Claim Deed, Transfer J & P R/E SVCS INC
Sep 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 23, 2019	Grant Deed, Transfer · Conventional with PMI PRIVATE INDIVIDUAL
Jul 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	May 23, 2019 · Amount on Record
Deed Document Number	202540072
Prior Transfer Date	Aug 3, 2020
Prior Transfer Doc	0000204472
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 18, 2026
Property Address	285 REFLECTIONS DR, 13, SAN RAMON, CA 94583-4769
Document Number	0000051631
Instrument Date	Apr 6, 2026
Instrument	202651631
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	285 REFLECTIONS DR, 13, SAN RAMON, CA 94583-4769

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	285 REFLECTIONS DR APT 13, 13, SAN RAMON, CA 94583-4769
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	RADIAN TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 REFLECTIONS DR, SAN RAMON, CA 94583-4770

Mortgage

Document Number	0000005000
Date	Jan 16, 2026
Instrument	2026- 005000

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 20, 2020
Property Address	285 REFLECTIONS DR APT 13, 13, SAN RAMON, CA 94583-4769
Document Number	0000176978
Instrument Date	Aug 4, 2020
Instrument	176978
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	PROVIDENT TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	285 REFLECTIONS DR #13 SAN RAMON CA 945834769, 13, SAN RAMON, CA 94583-4769

Mortgage

Document Number	176979
Date	Aug 20, 2020
Instrument	176979

Lender

Name	J & P R/E SVCS INC
Address	SAN GABRIEL, CA 91776

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 19, 2035

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 15, 2020
Property Address	285 REFLECTIONS DR APT 13, 13, SAN RAMON, CA 94583-4769
Document Number	0000204472
Instrument Date	Aug 3, 2020
Instrument	204472
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	285 REFLECTIONS DR #13 SAN RAMON CA 945834769, 13, SAN RAMON, CA 94583-4769

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 23, 2019
Property Address	285 REFLECTIONS DR APT 13, 13, SAN RAMON, CA 94583-4769
Document Number	0000075549
Instrument Date	May 20, 2019
Instrument	75549
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.95
Amount Accuracy	Full Value
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	285 REFLECTIONS DR #13 SAN RAMON CA 945834769, 13, SAN RAMON, CA 94583-4769

Mortgage

Document Number	75552
Date	May 23, 2019
Instrument	75552

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	SAN GABRIEL, CA 91776

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 22, 2034

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	285 REFLECTIONS DR APT 13, 13, SAN RAMON, CA 94583-4769
Document Number	0000120041
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 REFLECTIONS DR #13 SAN RAMON CA 945834769, 13, SAN RAMON, CA 94583-4769

Mortgage

Document Number	0000120041
Date	Jul 27, 2018
Instrument	120041

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 26, 2043

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		$407,288 (-33.79%) Land $76,845 Building $330,443
2025	$7,563.00 (+3.22%)	$615,115 (+4.04%) Land $395,630 Building $219,485
2023	$7,327.00 (+0.22%)	$591,231 Land $380,268 Building $210,963
2022	$7,311.00

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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