3825 Ayers Way, San Ramon, CA 94582 Property Records

Contra Costa County property record for 3825 Ayers Way, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,444 sqft · built 2004
Lot Size	0.105 acres (4,586 sqft)
Owner	2 Trust Names on File
Last Sale	$1,169,000 (Nov 2018)
Tax Bill	$19,095 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-280-045-4`

Property Details

APN / Parcel Number

Primary APN	`223-280-045-4`
Alternative APN	`223-280-045`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,444 sqft Living Area
1st Floor Area	1,276 sqft
2nd Floor Area	1,168 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	4,586 sqft (0.105 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3825 AYERS WAY
City	SAN RAMON
State	CA
Zip	94582-5677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8712 L45
Legal Subdivision	SUBDIVISION 8712
Legal Tract	8712
Legal Lot Number	45
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	1
Census Block	1002
Census Tract	355125

Owner

3825 Ayers Way is owner-occupied and held in a trust since June 2024.

Source: Contra Costa County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 28, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Nov 14, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on File
Deed Sale	Nov 14, 2018 · Amount on File
Prior Sale	Aug 12, 2004 · Amount on File
Deed Document Number	2018184253
Last Transfer Date	Jun 26, 2024
Transfer Doc	0000074755
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677

Mortgage

Document Number	0000125891
Date	Apr 27, 2021
Instrument	2021-125891

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000139457
Date	Aug 28, 2019
Instrument	2019-139457

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 14, 2018
Property Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677
Document Number	0000184253
Map Reference	MB 459 PG 1
Instrument Date	Oct 31, 2018
Instrument	2018-184253
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	3825 AYERS WAY, SAN RAMON, CA 94582-5677

Mortgage

Document Number	0000184254
Date	Nov 14, 2018
Instrument	2018-184254

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

Mortgage

Document Number	0000184255
Date	Nov 14, 2018
Instrument	2018-184255

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3825 Ayers Way was $19,095 with a homeowner's exemption.

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		$1,330,118 (+2%) Land $796,478 Building $533,640
2025	$19,095.00 Homeowner's exemption	$1,304,038 Land $780,861 Building $523,177
2023	$18,634.00 (+1.74%) Homeowner's exemption	$1,253,402 Land $750,540 Building $502,862
2022	$18,315.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3825 Ayers Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3825 Ayers Way is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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	DUBLIN SAN RAMON SERVICES DISTRICT serves 98,776 people · EPA ID CA0110009
Water Source	Purchased surface water from ZONE 7 WATER AGENCY
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Unwired.

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