320 Ginger Ct, San Ramon, CA 94582 Property Records

Contra Costa County property record for 320 Ginger Ct, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,907 sqft · built 1995
Lot Size	0.153 acres (6,650 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Nov 2014)
Tax Bill	$16,243 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-420-027-5`

Property Details

APN / Parcel Number

Primary APN	`217-420-027-5`
Alternative APN	`217-420-027`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,907 sqft Living Area
1st Floor Area	2,068 sqft
2nd Floor Area	839 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Lot Area	6,650 sqft (0.153 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	320 GINGER CT
City	SAN RAMON
State	CA
Zip	94582-5573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T7017 L114
Legal Subdivision	WEST BRANCH SUB 7017
Legal Tract	7017
Legal Lot Number	114
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3004
Census Tract	355121

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	Company Name on Record
Mailing Address	320 GINGER CT, SAN RAMON, CA 94582-5573
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Oct 26, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 6, 2022	Intrafamily Transfer, Transfer
Sep 18, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2014 · Amount on Record
Deed Sale	Nov 21, 2014 · Amount on Record
Prior Sale	Apr 17, 2007 · Amount on Record
Deed Document Number	2014206577
Prior Transfer Date	Dec 9, 2011
Prior Transfer Doc	0000277192
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	320 GINGER CT, SAN RAMON, CA 94582-5573
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TTL SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 GINGER CT, SAN RAMON, CA 94582-5573

Mortgage

Document Number	0000033604
Date	Feb 3, 2021
Instrument	2021-033604

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	320 GINGER CT, SAN RAMON, CA 94582-5573
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 GINGER CT, SAN RAMON, CA 94582-5573

Mortgage

Document Number	0000249110
Date	Oct 26, 2020
Instrument	2020-249110

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 6, 2022
Property Address	320 GINGER CT, SAN RAMON, CA 94582-5573
Document Number	0000136247
Map Reference	MB 348 PG 1
Instrument Date	Aug 16, 2022
Instrument	2022-136247
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	Family Trust
Address	320 GINGER CT, SAN RAMON, CA 94582-5573

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	320 GINGER CT, SAN RAMON, CA 94582-5573
Document Number	0000193242
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 GINGER CT SAN RAMON CA 945825573, SAN RAMON, CA 94582-5573

Mortgage

Document Number	0000193242
Date	Nov 30, 2018
Instrument	193242

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

Interest

Rate Type	Adjustable Rate

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		$1,368,082 (+2%) Land $809,082 Building $559,000
2025	$16,243.00 (+3.94%)	$1,341,258 (+4.04%) Land $793,218 Building $548,040
2023	$15,628.00 (+0.87%)	$1,289,177 Land $762,417 Building $526,760
2022	$15,493.00

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	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Etheric Networks, Verizon.

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