401 Birchwood Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 401 Birchwood Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,948 sqft · built 1971
Lot Size	0.43 acres (18,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,305,000 (Apr 2014)
Tax Bill	$19,567 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256-231-001-7`

Property Details

APN / Parcel Number

Primary APN	`256-231-001-7`
Alternative APN	`256-231-001`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,948 sqft Living Area
1st Floor Area	2,853 sqft
Basement Area	95 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1972
Lot Area	18,720 sqft (0.43 acres)
Garage Type	Attached
Garage Area	634 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	401 BIRCHWOOD DR
City	MORAGA
State	CA
Zip	94556-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 3788 LOT 1 EX MR
Legal Subdivision	MORAGA
Legal Tract	3788
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1011
Census Tract	352101

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	401 BIRCHWOOD DR, MORAGA, CA 94556-2306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit SAN FRANCISCO FIRE CU
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Dec 21, 2016	Deed of Trust, Mortgage · Line of Credit SF FIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2014 · Amount on Record
Deed Sale	Apr 9, 2014 · Amount on Record
Deed Document Number	201453999
Prior Transfer Date	Apr 19, 2001
Prior Transfer Doc	0000258356
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	401 BIRCHWOOD DR, MORAGA, CA 94556-2306
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BIRCHWOOD DR, MORAGA, CA 94556-2306

Mortgage

Document Number	0000076194
Date	May 3, 2022
Instrument	2022-076194

Lender

Name	SAN FRANCISCO FIRE CU
Type	Credit Union
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	401 BIRCHWOOD DR, MORAGA, CA 94556-2306
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BIRCHWOOD DR, MORAGA, CA 94556-2306

Mortgage

Document Number	0000216719
Date	Aug 3, 2021
Instrument	2021-216719

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	401 BIRCHWOOD DR, MORAGA, CA 94556-2306
Document Number	0000011959
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	401 BIRCHWOOD DR MORAGA CA 945562306, MORAGA, CA 94556-2306

Mortgage

Document Number	0000011959
Date	Jan 20, 2017
Instrument	11959

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 19, 2042

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	Moraga Town
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Moraga Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,631,733 (+2%) Land $1,187,855 Building $443,878
2025	$19,567.00 (+5.82%)	$1,599,739 (+4.04%) Land $1,164,564 Building $435,175
2023	$18,490.00 (+1.61%)	$1,537,622 Land $1,119,344 Building $418,278
2022	$18,197.00

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	4 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	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 140 locations within half a mile, as of December 31, 2025

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

May also be available: Etheric Networks, Verizon.

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