404 Ridge Gate Rd, Orinda, CA 94563 Property Records

Contra Costa County property record for 404 Ridge Gate Rd, Orinda, CA 94563

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,212 sqft · built 1980
Lot Size	0.169 acres (7,344 sqft)
Owner	2 Trust Names on File
Last Sale	$1,498,000 (Dec 2025)
Tax Bill	$12,443 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`260-293-003`

Property Details

APN / Parcel Number

Primary APN	`260-293-003`
Alternative APN	`260-293-003-0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,212 sqft Living Area
1st Floor Area	2,212 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Architectural Style	Cluster
Lot Area	7,344 sqft (0.169 acres)
Garage Type	Attached
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 RIDGE GATE RD
City	ORINDA
State	CA
Zip	94563-2724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05545 L0002 B EX 1/2 MR
Legal Subdivision	SUBDIVISION 5545
Legal Tract	05545
Legal Lot Number	2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4012
Census Tract	354002

Owner

404 Ridge Gate Rd is owner-occupied and held in a trust since December 2025.

Source: Contra Costa County records, as of July 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 1, 2025	Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NATIONA
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 10, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on File
Deed Sale	Dec 1, 2025 · Amount on File
Prior Sale	May 30, 2025 · Amount on File
Deed Document Number	2025134217
Prior Transfer Date	Jan 8, 2011
Prior Transfer Doc	0000014114
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Mortgage

Document Number	0000186531
Date	Jun 29, 2021
Instrument	2021-186531

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Mortgage

Document Number	0000205695
Date	Jul 21, 2021
Instrument	2021-205695

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Mortgage

Document Number	0000339618
Date	Dec 16, 2021
Instrument	2021-339618

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 1, 2025
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Document Number	0000134217
Map Reference	MB 230 PG 25
Instrument Date	Nov 17, 2025
Instrument	2025- 134217
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Mortgage

Document Number	0000134218
Date	Dec 1, 2025
Instrument	2025- 134218

Lender

Name	MORGAN STANLEY PRIVATE BANK NATIONA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Mortgage

Document Number	0000195824
Date	Sep 8, 2020
Instrument	2020-195824

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 10, 2021
Property Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724
Document Number	0000138626
Map Reference	MB 230 PG 25
Instrument Date	May 5, 2021
Instrument	2021-138626
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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
Address	404 RIDGE GATE RD, ORINDA, CA 94563-2724

Tax Assessment & Valuation

The 2025 property tax bill for 404 Ridge Gate Rd was $12,443.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Orinda City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Orinda Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,498,000 (+63.33%) Land $1,000,000 Building $498,000
2025	$12,443.00 Homeowner's exemption	$917,147 Land $824,942 Building $92,205
2023	$12,047.00 (-44.59%) Homeowner's exemption	$881,535 Land $792,909 Building $88,626
2022	$21,743.00

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

Flood

FEMA maps place 404 Ridge Gate Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

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	7 in force
Nearby Flood Claims	3 (1983–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2019 · 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

Wildfire risk around 404 Ridge Gate Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: AT&T, T-Mobile, Unwired.

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