Contra Costa County property record for 404 Fernando Ct, San Ramon, CA 94583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,839 sqft · built 1986 |
| Lot Size | 0.228 acres (9,936 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,575,000 (Mar 2021) |
| Tax Bill | $19,453 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 209-212-012-6 |
| Primary APN | 209-212-012-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,839 sqft Living Area |
| 1st Floor Area | 2,839 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 9,936 sqft (0.228 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 404 FERNANDO CT |
|---|---|
| City | SAN RAMON |
| State | CA |
| Zip | 94583-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 3856 LOT 76 EX MR |
| Legal Subdivision | SUBDIVISION 3856 |
| Legal Tract | 3856 |
| Legal Lot Number | 76 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 345206 |
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 Company Names on Record |
|---|---|
| Mailing Address | 404 FERNANDO CT, SAN RAMON, CA 94583-1722 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 9, 2017 | Deed of Trust, Mortgage · ARM FLAGSTAR BANK FSB |
| Mar 18, 2021 | Grant Deed, Transfer · Conventional Mortgage PREMIER LENDING INC |
| Feb 6, 2019 | Quit Claim Deed Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2021 · Amount on Record |
| Deed Sale | Mar 18, 2021 · Amount on Record |
| Prior Sale | Nov 16, 2001 · Amount on Record |
| Deed Document Number | 202182857 |
| Prior Transfer Date | Feb 1, 2019 |
| Prior Transfer Doc | 0000016524 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 404 FERNANDO CT, SAN RAMON, CA 94583-1722 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | WFG |
| Name | Verified Name |
|---|
| Document Number | 0000041753 |
|---|---|
| Date | Mar 9, 2017 |
| Instrument | 2017-041753 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 18, 2021 |
| Property Address | 404 FERNANDO CT, SAN RAMON, CA 94583-1722 |
| Document Number | 0000082857 |
| Map Reference | MB 135 PG 35 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 2021-082857 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 404 FERNANDO CT, SAN RAMON, CA 94583-1722 |
| Document Number | 0000082858 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 2021-082858 |
| Name | PREMIER LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Feb 6, 2019 |
| Property Address | 404 FERNANDO CT, SAN RAMON, CA 94583-1722 |
| Document Number | 0000016524 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 16524 |
| Record Updated | Feb 13, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 404 FERNANDO CT SAN RAMON CA 945831722, SAN RAMON, CA 94583-1722 |
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | San Ramon City |
| Unified School District | San Ramon Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,738,925 (+2%) Land $910,865 Building $828,060 | |
| 2025 | $19,453.00 (+3.69%) Homeowner's exemption | $1,704,829 (+4.04%) Land $893,005 Building $811,824 |
| 2023 | $18,760.00 (+0.75%) Homeowner's exemption | $1,638,630 Land $858,330 Building $780,300 |
| 2022 | $18,620.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 69% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| AT&T DSL | 100 / 20 |
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