38 Roatan Ct, San Ramon, CA 94583 Property Records

Contra Costa County property record for 38 Roatan Ct, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,718 sqft · built 1980
Lot Size	0.351 acres (15,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,235,000 (Jul 2020)
Tax Bill	$15,545 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`209-531-008-8`

Property Details

APN / Parcel Number

Primary APN	`209-531-008-8`
Alternative APN	`209-531-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	3,341 sqft
1st Floor Area	1,428 sqft
2nd Floor Area	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Wood
Roof Material	Wood Shingle
Lot Area	15,300 sqft (0.351 acres)
Garage Type	Attached
Garage Area	623 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38 ROATAN CT
City	SAN RAMON
State	CA
Zip	94583-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05217 L0343 B
Legal Subdivision	SUBDIVISION 5217
Legal Tract	05217
Legal Lot Number	343
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1006
Census Tract	345116

Owner

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 ROATAN CT, SAN RAMON, CA 94583-2223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 15, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Prior Sale	Sep 27, 2004 · Amount on Record
Deed Document Number	2020140775
Prior Transfer Date	Mar 22, 1994
Prior Transfer Doc	0000089070
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	38 ROATAN CT, SAN RAMON, CA 94583-2223
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ROATAN CT, SAN RAMON, CA 94583-2223

Mortgage

Document Number	0000270722
Date	Sep 30, 2021
Instrument	2021-270722

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 15, 2020
Property Address	38 ROATAN CT, SAN RAMON, CA 94583-2223
Document Number	0000140775
Map Reference	MB 216 PG 1
Instrument Date	Jul 13, 2020
Instrument	2020-140775
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants with Right of Survivorship
Address	38 ROATAN CT, SAN RAMON, CA 94583-2223

Mortgage

Document Number	0000140776
Date	Jul 15, 2020
Instrument	2020-140776

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 21, 2018
Property Address	38 ROATAN CT, SAN RAMON, CA 94583-2223
Document Number	0000151664
Instrument Date	Sep 17, 2018
Instrument	151664
Transaction Type	Transfer
Record Updated	Oct 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38 ROATAN CT SAN RAMON CA 945832223, SAN RAMON, CA 94583-2223

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		$1,363,537 (+2%) Land $927,426 Building $436,111
2025	$15,545.00 (+3.72%)	$1,336,802 (+4.04%) Land $909,242 Building $427,560
2023	$14,987.00 (+0.75%)	$1,284,894 Land $873,936 Building $410,958
2022	$14,876.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2025 · other causes

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	0.02% 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 33 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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