396 Ramos Ranch Rd, Oakley, CA 94561 Property Records

Contra Costa County property record for 396 Ramos Ranch Rd, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 2022
Lot Size	0.083 acres (3,622 sqft)
Owner	2 Company Names on File
Last Sale	$650,000 (Nov 2022)
Tax Bill	$11,729 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`033-470-025-9`

Property Details

APN / Parcel Number

Primary APN	`033-470-025-9`
Alternative APN	`033-470-025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
1st Floor Area	1,018 sqft
2nd Floor Area	1,248 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	3,622 sqft (0.083 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	396 RAMOS RANCH RD
City	OAKLEY
State	CA
Zip	94561-2788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9498 L25
Legal Subdivision	ACACIA SUB 9498
Legal Tract	9498
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	302012

Owner

Source: Contra Costa County assessment roll, 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 Company Names on File
Mailing Address	2851 ROMORA BAY DR, PITTSBURG, CA 94565-7925
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 1, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN
Apr 1, 2026	Grant Deed, Transfer · Conventional Mortgage NEXBANK
Nov 18, 2022	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Deed Document Number	2022175387
Last Transfer Date	Mar 24, 2026
Transfer Doc	0000032699
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	396 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 ROMORA BAY DR, PITTSBURG, CA 94565-7925

Mortgage

Document Number	0000124077
Date	Nov 20, 2023
Instrument	2023-124077

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 1, 2026
Property Address	396 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Document Number	0000032699
Instrument Date	Mar 24, 2026
Instrument	202632699
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2851 ROMORA BAY DR, PITTSBURG, CA 94565-7925

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 1, 2026
Property Address	396 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Document Number	0000032697
Instrument Date	Mar 24, 2026
Instrument	202632697
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2851 ROMORA BAY DR, PITTSBURG, CA 94565-7925

Mortgage

Document Number	0000032698,
Date	Apr 1, 2026
Instrument	202632698

Lender

Name	NEXBANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 18, 2022
Property Address	396 RAMOS RANCH RD, OAKLEY, CA 94561-2788
Document Number	0000175387
Map Reference	MB 543 PG 44-49
Instrument Date	Nov 3, 2022
Instrument	2022-175387
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Family Trust
Address	2851 ROMORA BAY DR, PITTSBURG, CA 94565-7925

Mortgage

Document Number	0000175388
Date	Nov 18, 2022
Instrument	2022-175388

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	Oakley City
Secondary School District	Liberty Union High School District (09 - 12)
Elementary School District	Oakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$675,246 (+2%) Land $265,302 Building $409,944
2025	$11,729.00 (+3.49%)	$662,006 (+4.04%) Land $260,100 Building $401,906
2023	$11,334.00 (+111.81%)	$636,300 Land $250,000 Building $386,300
2022	$5,351.00

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
Nearby Flood Policies	1 in force

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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