320 Winterwind Cir, San Ramon, CA 94583 Property Records

Contra Costa County property record for 320 Winterwind Cir, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,651 sqft · built 1992
Lot Size	0.082 acres (3,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$941,000 (Jul 2018)
Tax Bill	$12,556 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-720-094-1`

Property Details

APN / Parcel Number

Primary APN	`213-720-094-1`
Alternative APN	`213-720-094`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,651 sqft Living Area
1st Floor Area	791 sqft
2nd Floor Area	860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1996
Architectural Style	Cluster
Lot Area	3,560 sqft (0.082 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 WINTERWIND CIR
City	SAN RAMON
State	CA
Zip	94583-5249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	T6648 L94
Legal Subdivision	NEWCASTLE
Legal Tract	6648
Legal Lot Number	94
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2004
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 Individual Names on Record
Mailing Address	320 WINTERWIND CIR, SAN RAMON, CA 94583-5249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Deed of Trust, Mortgage · Line of Credit SANDIA LABORATORY FCU
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 6, 2018	Grant Deed, Transfer KEYPOINT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2018 · Amount on Record
Deed Sale	Jul 6, 2018 · Amount on Record
Prior Sale	Jun 16, 2006 · Amount on Record
Deed Document Number	2018108170
Prior Transfer Date	Mar 9, 2016
Prior Transfer Doc	0000046090
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	320 WINTERWIND CIR, SAN RAMON, CA 94583-5249
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129522
Date	Jul 20, 2017
Instrument	2017-129522

Lender

Name	SANDIA LABORATORY FCU
Type	Credit Union
Address	ALBUQUERQUE, NM 87111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	320 WINTERWIND CIR, SAN RAMON, CA 94583-5249
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WINTERWIND CIR, SAN RAMON, CA 94583-5249

Mortgage

Document Number	0000068752
Date	Mar 8, 2021
Instrument	2021-068752

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 6, 2018
Property Address	320 WINTERWIND CIR, SAN RAMON, CA 94583-5249
Document Number	0000108170
Instrument Date	May 30, 2018
Instrument	108170
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	320 WINTERWIND CIR SAN RAMON CA 945835249, SAN RAMON, CA 94583-5249

Mortgage

Document Number	108171
Date	Jul 6, 2018
Instrument	108171

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SANTA CLARA, CA 95051

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Mortgage

Document Number	108172,
Date	Jul 6, 2018
Instrument	108172

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SANTA CLARA, CA 95051

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2033

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		$1,070,691 (+2%) Land $691,228 Building $379,463
2025	$12,556.00 (+3.82%)	$1,049,698 (+4.04%) Land $677,675 Building $372,023
2023	$12,094.00 (+0.93%)	$1,008,939 Land $651,361 Building $357,578
2022	$11,982.00

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 96% of the US · lower than 97.4% 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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