354 Winterwind Cir, San Ramon, CA 94583 Property Records

Contra Costa County property record for 354 Winterwind Cir, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,651 sqft · built 1991
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Feb 2015)
Tax Bill	$10,755 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`213-720-028-9`

Property Details

APN / Parcel Number

Primary APN	`213-720-028-9`
Alternative APN	`213-720-028`

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

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cluster
Lot Area	3,600 sqft (0.083 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	354 WINTERWIND CIR
City	SAN RAMON
State	CA
Zip	94583-5243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T6648 L28
Legal Subdivision	NEWCASTLE
Legal Tract	6648
Legal Lot Number	28
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	354 WINTERWIND CIR, SAN RAMON, CA 94583-5243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 9, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2015 · Amount on Record
Deed Sale	Feb 27, 2015 · Amount on Record
Prior Sale	Jul 1, 2005 · Amount on Record
Deed Document Number	201534863
Prior Transfer Date	Feb 25, 2015
Prior Transfer Doc	0000034864
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	354 WINTERWIND CIR, SAN RAMON, CA 94583-5243
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 WINTERWIND CIR, SAN RAMON, CA 94583-5243

Mortgage

Document Number	0000289501
Date	Nov 30, 2020
Instrument	2020-289501

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	354 WINTERWIND CIR, SAN RAMON, CA 94583-5243
Document Number	0000170286
Instrument Date	Sep 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 WINTERWIND CIR SAN RAMON CA 945835243, SAN RAMON, CA 94583-5243

Mortgage

Document Number	0000170286
Date	Sep 19, 2017
Instrument	170286

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 18, 2057

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		$901,020 (+2%) Land $631,329 Building $269,691
2025	$10,755.00 (+3.86%)	$883,353 (+4.04%) Land $618,950 Building $264,403
2023	$10,355.00 (+0.98%)	$849,053 Land $594,916 Building $254,137
2022	$10,255.00

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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