408 Tharp Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 408 Tharp Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 1965
Lot Size	0.276 acres (12,000 sqft)
Owner	Company Name on Record
Last Sale	$1,195,000 (Jul 2019)
Tax Bill	$16,218 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`257-340-011-2`

Property Details

APN / Parcel Number

Primary APN	`257-340-011-2`
Alternative APN	`257-340-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,689 sqft Living Area
1st Floor Area	1,689 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1990
Lot Area	12,000 sqft (0.276 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	408 THARP DR
City	MORAGA
State	CA
Zip	94556-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3279 LOT 148 EX MR
Legal Subdivision	SUBDIVISION 3279
Legal Tract	3279
Legal Lot Number	148
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1010
Census Tract	352102

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	Company Name on Record
Mailing Address	408 THARP DR, MORAGA, CA 94556-2529
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CFBANK NA
Jul 17, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019 · Amount on Record
Deed Sale	Jul 17, 2019 · Amount on Record
Prior Sale	May 25, 2006 · Amount on Record
Deed Document Number	2019110895
Prior Transfer Date	Sep 1, 2009
Prior Transfer Doc	0000221428
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	408 THARP DR, MORAGA, CA 94556-2529
Document Number	0000294920
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	408 THARP DR MORAGA CA 945562529, MORAGA, CA 94556-2529

Mortgage

Document Number	0000294920
Date	Dec 3, 2020
Instrument	294920

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 17, 2019
Property Address	408 THARP DR, MORAGA, CA 94556-2529
Document Number	0000110895
Map Reference	MB 100 PG 41
Instrument Date	Jul 8, 2019
Instrument	2019-110895
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Revocable Trust
Address	408 THARP DR, MORAGA, CA 94556-2529

Mortgage

Document Number	0000110896
Date	Jul 17, 2019
Instrument	2019-110896

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$1,333,039 (+2%) Land $886,834 Building $446,205
2025	$16,218.00 (+5.81%) Homeowner's exemption	$1,306,902 (+4.04%) Land $869,446 Building $437,456
2023	$15,328.00 (+1.6%) Homeowner's exemption	$1,256,156 Land $835,686 Building $420,470
2022	$15,086.00

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
Nearby Flood Claims	2 (1981–1995)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1995 · tidal / storm surge

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	High above 76% of the US · above 53% of California
Wildfire Likelihood	0.5% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Etheric Networks, T-Mobile, Unwired.

Cell Coverage

5G (outdoors only) and 4G LTE

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