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38 Arroyo Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 38 Arroyo Dr, Moraga, CA 94556

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,969 sqft · built 1965
Lot Size0.411 acres (17,920 sqft)
OwnerCompany Name on Record
Last Sale$1,185,000 (Oct 2008)
Tax Bill$19,837 (2025)
Deeds & MortgagesJun 2023 Transfer
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN255-262-007-8

Property Details

APN / Parcel Number

Primary APN255-262-007-8
Alternative APN
  • 255-262-007

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms11 Rooms
Stories1 Story
Building Area2,969 sqft Living Area
1st Floor Area2,617 sqft
Basement Area352 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1990
Lot Area17,920 sqft (0.411 acres)
Garage TypeAttached
Garage Area493 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address38 ARROYO DR
CityMORAGA
StateCA
Zip94556-1229
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10
Legal DescriptionTRACT 2710 34
Legal SubdivisionRANCHO COLORADOS
Legal Tract2710
Legal Lot Number34
JurisdictionCONTRA COSTA CA
Township / Civil DivisionCENTRAL CONTRA COSTA
Census Block Group2
Census Block2005
Census Tract352201

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 RecordCompany Name on Record
Mailing Address38 ARROYO DR, MORAGA, CA 94556-1229
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jun 27, 2023Intrafamily Transfer, Transfer
May 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 10, 2008 · Amount on Record
Deed SaleOct 10, 2008 · Amount on Record
Deed Document Number2008221985
Prior Transfer DateApr 5, 1996
Prior Transfer Doc0000063776
Record UpdatedOct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCONTRA COSTA CA
Recording DateJun 27, 2023
Property Address38 ARROYO DR, MORAGA, CA 94556-1229
Document Number0000061153
Map ReferenceMB 79 PG 16
Instrument DateJun 27, 2023
Instrument2023-061153
Transaction TypeTransfer
Record UpdatedJul 6, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address38 ARROYO DR, MORAGA, CA 94556-1229

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address38 ARROYO DR, MORAGA, CA 94556-1229
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 ARROYO DR, MORAGA, CA 94556-1229

Mortgage

Document Number0000147400
DateMay 18, 2021
Instrument2021-147400
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalityMoraga Town
Secondary School DistrictAcalanes Union High School District (09 - 12)
Elementary School DistrictMoraga Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,738,540 (+6.24%) Land $985,134 Building $753,406
2025$19,837.00 (+9.87%) Homeowner's exemption$1,636,452 (+8.34%) Land $965,818 Building $670,634
2023$18,055.00 (+1.63%) Homeowner's exemption$1,510,432 (+2%) Land $928,315 Building $582,117
2022$17,766.00 Homeowner's exemption$1,480,816 Land $910,113 Building $570,703

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1982)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 1982 · rainfall accumulation

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 RiskModerate
above 42% of the US · lower than 75% of California
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemEAST BAY MUD
serves 1,468,000 people · EPA ID CA0110005
Water SourceSurface water
Last State InspectionDec 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 349 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Etheric Networks
Fixed Wireless		250 / 100

May also be available: AT&T, Unwired.

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