285 Reflections Dr, Apt 26, San Ramon, CA 94583 Property Records

Contra Costa County property record for 285 Reflections Dr, Apt 26, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 949 sqft · built 1988
Lot Size	0.025 acres (1,069 sqft)
Owner	Trust Name on File
Last Sale	$530,000 (Jun 2017)
Tax Bill	$7,331 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Apr 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`213-781-150-7`

Property Details

APN / Parcel Number

Primary APN	`213-781-150-7`
Alternative APN	`213-781-150`

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 2005
Architectural Style	Condo/Apartment
Lot Area	1,069 sqft (0.025 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, 26
City	SAN RAMON
State	CA
Zip	94583-4739
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L2 B10 U26
Legal Subdivision	REFLECTIONS CONDO
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 26 is owner-occupied and held in a trust since March 2021.

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

Owner of Record	Trust Name on File
Mailing Address	285 REFLECTIONS DR, 26, SAN RAMON, CA 94583-4739
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 26, 2017	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Apr 2, 2021	Intrafamily Transfer, Transfer
Dec 10, 2020	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 14, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG
Jun 12, 2017	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2017 · Amount on File
Deed Sale	Jun 12, 2017 · Amount on File
Prior Sale	Jun 19, 2007 · Amount on File
Deed Document Number	2017104434
Last Transfer Date	Mar 23, 2021
Transfer Doc	0000100641
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE OF NORCAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134183
Date	Jul 26, 2017
Instrument	2017-134183

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount on Record
Term	362 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2024
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	9.95%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 2, 2021
Property Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739
Document Number	0000100641
Map Reference	MB 326 PG 1
Instrument Date	Mar 23, 2021
Instrument	2021-100641
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 10, 2020
Property Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739
Document Number	0000309695
Map Reference	MB 326 PG 1
Instrument Date	Dec 8, 2020
Instrument	2020-309695
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739

Mortgage

Document Number	0000309696
Date	Dec 10, 2020
Instrument	2020-309696

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 14, 2017
Property Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739
Document Number	0000126503
Instrument Date	Jul 11, 2017
Instrument	126503
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.05
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

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	126504
Date	Jul 14, 2017
Instrument	126504

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 12, 2017
Property Address	285 REFLECTIONS DR APT 26, 26, SAN RAMON, CA 94583-4739
Document Number	0000104434
Instrument Date	Jun 6, 2017
Instrument	104434
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$583.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	285 REFLECTIONS DR #26 SAN RAMON CA 945834739, 26, SAN RAMON, CA 94583-4739

Tax Assessment & Valuation

The 2025 property tax bill for 285 Reflections Dr, Apt 26 was $7,331 with a homeowner's exemption.

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		$612,760 (+2%) Land $408,507 Building $204,253
2025	$7,331.00 Homeowner's exemption	$600,747 Land $400,498 Building $200,249
2023	$7,101.00 (+0.24%) Homeowner's exemption	$577,422 Land $384,948 Building $192,474
2022	$7,084.00

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

Flood

FEMA maps place 285 Reflections Dr, Apt 26 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 26 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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