44 Arroyo Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 44 Arroyo Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,563 sqft · built 1976
Lot Size	0.468 acres (20,400 sqft)
Owner	Trust Name on File
Tax Bill	$4,276 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`255-262-008-6`

Property Details

APN / Parcel Number

Primary APN	`255-262-008-6`
Alternative APN	`255-262-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,563 sqft Living Area
1st Floor Area	2,563 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1980
Lot Area	20,400 sqft (0.468 acres)
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	44 ARROYO DR
City	MORAGA
State	CA
Zip	94556-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 2710 LOT 33
Legal Subdivision	RANCHO COLORADOS
Legal Tract	2710
Legal Lot Number	33
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2005
Census Tract	352201

Owner

44 Arroyo Dr is owner-occupied and held in a trust since May 2023.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	Trust Name on File
Mailing Address	44 ARROYO DR, MORAGA, CA 94556-1229
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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 8, 2023	Intrafamily Transfer, Transfer
Jun 8, 2023	Intrafamily Transfer, Transfer
Jan 19, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Nov 25, 2019	Intrafamily Transfer, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 6, 2023
Transfer Doc	0000054828
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 8, 2023
Property Address	44 ARROYO DR, MORAGA, CA 94556-1229
Document Number	0000054828
Map Reference	MB 79 PG 16
Instrument Date	May 6, 2023
Instrument	2023-054828
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	44 ARROYO DR, MORAGA, CA 94556-1229

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 8, 2023
Property Address	44 ARROYO DR, MORAGA, CA 94556-1229
Document Number	0000054827
Map Reference	MB 79 PG 16
Instrument Date	May 6, 2023
Instrument	2023-054827
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	44 ARROYO DR, MORAGA, CA 94556-1229

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	44 ARROYO DR, MORAGA, CA 94556-1229
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 ARROYO DR, MORAGA, CA 94556-1229

Mortgage

Document Number	0000015832
Date	Jan 19, 2021
Instrument	2021-015832

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	829 Months
Due	Feb 11, 2090

Interest

Rate Type	Adjustable Rate

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 25, 2019
Property Address	44 ARROYO DR, MORAGA, CA 94556-1229
Document Number	0000211286
Map Reference	MB 79 PG 16
Instrument Date	Nov 15, 2019
Instrument	2019-211286
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FNC TITLE OF CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	44 ARROYO DR, MORAGA, CA 94556-1229

Mortgage

Document Number	0000211287
Date	Nov 25, 2019
Instrument	2019-211287

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 44 Arroyo Dr was $4,276 with a homeowner's exemption.

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		$264,417 (+2%) Land $82,407 Building $182,010
2025	$4,276.00 Homeowner's exemption	$259,234 Land $80,792 Building $178,442
2023	$4,048.00 (+1.48%) Homeowner's exemption	$249,169 Land $77,655 Building $171,514
2022	$3,989.00

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

Flood

FEMA maps place 44 Arroyo Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1982 · rainfall accumulation

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 44 Arroyo Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 349 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, Unwired.

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