431 Tharp Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 431 Tharp Dr, Moraga, CA 94556 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,111 sqft · built 1965
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (May 2013)
Tax Bill	$14,202 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`257-322-012-2`

Property Details

APN / Parcel Number

Primary APN	`257-322-012-2`
Alternative APN	`257-322-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,111 sqft Living Area
1st Floor Area	2,111 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	431 THARP DR
City	MORAGA
State	CA
Zip	94556-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3279 LOT 53 EX MR
Legal Subdivision	SUBDIVISION 3279
Legal Tract	3279
Legal Lot Number	53
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1015
Census Tract	352102

Owner

Source: Contra Costa County records · APN 257-322-012-2

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	431 THARP DR, MORAGA, CA 94556-2528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2013 · Amount on Record
Deed Sale	May 15, 2013 · Amount on Record
Deed Document Number	2013123367
Prior Transfer Date	Jan 05, 1996
Prior Transfer Doc	0000095374
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	431 THARP DR, MORAGA, CA 94556-2528
Transaction Type	Mortgage
Record Updated	Nov 03, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 THARP DR, MORAGA, CA 94556-2528

Mortgage

Document Number	0000183704
Date	Aug 26, 2020
Instrument	2020-183704

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$1,146,999 (+2%) Land $954,597 Building $192,402
2025	$14,202.00 (+5.77%) Homeowner's exemption	$1,124,510 (+4.04%) Land $935,880 Building $188,630
2023	$13,427.00 (+1.59%) Homeowner's exemption	$1,080,846 Land $899,540 Building $181,306
2022	$13,217.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), updated October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133521021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	High above 77% of the US · above 53% of California
Wildfire Likelihood	About 1 in 201 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 199 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: T-Mobile USA, Etheric Communications, LLC., Unwired. Availability varies by address; speeds are provider-advertised maximums, not measured.