285 Reflections Dr, Apt 21, San Ramon, CA 94583 Property Records

Contra Costa County property record for 285 Reflections Dr, Apt 21, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 624 sqft · built 1988
Lot Size	0.015 acres (652 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2019)
Tax Bill	$5,758 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`213-781-145-7`

Property Details

APN / Parcel Number

Primary APN	`213-781-145-7`
Alternative APN	`213-781-145`

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	652 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	285 REFLECTIONS DR, 21
City	SAN RAMON
State	CA
Zip	94583-4739
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B10 U21
Legal Subdivision	REFLECTIONS SUB 6780 BLDG 10
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

285 Reflections Dr, Apt 21 is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	285 REFLECTIONS DR, 21, SAN RAMON, CA 94583-4739
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Nov 12, 2019	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Jan 19, 2007 · Amount on File
Deed Document Number	2019201563
Prior Transfer Date	Dec 13, 2013
Prior Transfer Doc	0000291474
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	285 REFLECTIONS DR APT 21, 21, SAN RAMON, CA 94583-4739
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 REFLECTIONS DR 21, 21, SAN RAMON, CA 94583-4739

Mortgage

Document Number	0000163923
Date	Jun 4, 2021
Instrument	2021-163923

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 12, 2019
Property Address	285 REFLECTIONS DR APT 21, 21, SAN RAMON, CA 94583-4739
Document Number	0000201563
Map Reference	MB 326 PG 1
Instrument Date	Nov 4, 2019
Instrument	2019-201563
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Community Property with Right of Survivorship
Address	285 REFLECTIONS DR APT 21, 21, SAN RAMON, CA 94583-4739

Mortgage

Document Number	0000201564
Date	Nov 12, 2019
Instrument	2019-201564

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 285 Reflections Dr, Apt 21 was $5,758.

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		$404,000 (-9.9%) Land $246,342 Building $157,658
2025	$5,758.00	$448,389 Land $273,408 Building $174,981
2023	$5,583.00 (+0.05%)	$430,980 Land $262,793 Building $168,187
2022	$5,580.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 285 Reflections Dr, Apt 21 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 285 Reflections Dr, Apt 21 is low, with less than a 0.01% annual chance of 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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