Contra Costa County property record for 446 Santander Dr, San Ramon, CA 94583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,880 sqft · built 1979 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,350,000 (May 2026) |
| Tax Bill | $9,047 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 209-511-015-7 |
| Primary APN | 209-511-015-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,880 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| 2nd Floor Area | 828 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Roof Material | Wood Shingle |
| Lot Area | 5,400 sqft (0.124 acres) |
| Lot Dimensions | 120 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 446 SANTANDER DR |
|---|---|
| City | SAN RAMON |
| State | CA |
| Zip | 94583-2143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T05217 L0063 B |
| Legal Subdivision | SUBDIVISION 5217 |
| Legal Tract | 05217 |
| Legal Lot Number | 63 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 345116 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 446 SANTANDER DR, SAN RAMON, CA 94583-2143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| May 22, 2026 | Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Apr 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | Feb 17, 2011 · Amount on Record |
| Deed Document Number | 202653934 |
| Prior Transfer Date | Apr 24, 2013 |
| Prior Transfer Doc | 0000107313 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | May 22, 2026 |
| Property Address | 446 SANTANDER DR, SAN RAMON, CA 94583-2143 |
| Document Number | 0000053934 |
| Instrument Date | May 20, 2026 |
| Instrument | 202653934 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149,985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 446 SANTANDER DR, SAN RAMON, CA 94583-2143 |
| Document Number | 0000053935, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202653935 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 446 SANTANDER DR, SAN RAMON, CA 94583-2143 |
| Document Number | 0000075301 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1237 S WILSHIRE AVE MOUNTAIN HOUSE CA 953911448, MOUNTAIN HOUSE, CA 95391-1448 |
| Document Number | 0000075301 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 75301 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2050 |
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 | $751,396 (+2%) Land $535,782 Building $215,614 | |
| 2025 | $9,047.00 (+3.86%) | $736,664 (+4.04%) Land $525,277 Building $211,387 |
| 2023 | $8,711.00 (+0.75%) | $708,061 Land $504,881 Building $203,180 |
| 2022 | $8,646.00 |
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 |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1998 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 64% of California |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 549 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 |
May also be available: T-Mobile.
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