312 Ramos Ranch Rd, Oakley, CA 94561 Property Records

Contra Costa County property record for 312 Ramos Ranch Rd, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,155 sqft · built 2021
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$613,000 (Dec 2021)
Tax Bill	$11,603 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033-470-004-4`

Property Details

APN / Parcel Number

Primary APN	`033-470-004-4`
Alternative APN	`033-470-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,155 sqft Living Area
1st Floor Area	977 sqft
2nd Floor Area	1,178 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	3,450 sqft (0.079 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	312 RAMOS RANCH RD
City	OAKLEY
State	CA
Zip	94561-2788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9498 L4
Legal Subdivision	SUBDIVISION 9498 ACACIA
Legal Tract	9498
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	302012

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	312 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 1, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE
Dec 14, 2021	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Deed Document Number	2021337632
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	312 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 RAMOS RANCH RD, OAKLEY, CA 94561-2788

Mortgage

Document Number	0000168840
Date	Nov 1, 2022
Instrument	2022-168840

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 2, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 1, 2022
Property Address	312 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Document Number	0000036831
Map Reference	MB 543 PG 44-49
Instrument Date	Jan 10, 2022
Instrument	2022-036831
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	312 RAMOS RANCH ROAD, OAKLEY, CA 94561-2788

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 14, 2021
Property Address	312 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Document Number	0000337632
Map Reference	MB 543 PG 44-49
Instrument Date	Dec 3, 2021
Instrument	2021-337632
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
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	312 RAMOS RANCH ROAD, OAKLEY, CA 94561-2788

Mortgage

Document Number	0000337633
Date	Dec 14, 2021
Instrument	2021-337633

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	Oakley City
Secondary School District	Liberty Union High School District (09 - 12)
Elementary School District	Oakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$663,422 (+2%) Land $270,608 Building $392,814
2025	$11,603.00 (+3.5%)	$650,414 (+4.04%) Land $265,302 Building $385,112
2023	$11,211.00 (+1.63%)	$625,158 Land $255,000 Building $370,158
2022	$11,031.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	0.03% 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	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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