45 Laird Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 45 Laird Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,200 sqft · built 2002
Lot Size	2.48 acres (108,246 sqft)
Owner	2 Company Names on Record
Last Sale	$2,975,000 (Jul 2025)
Tax Bill	$30,969 (2025)
Deeds & Mortgages	Apr 2026 Transfer Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`255-130-008-6`

Property Details

APN / Parcel Number

Primary APN	`255-130-008-6`
Alternative APN	`255-130-008`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,200 sqft Living Area
1st Floor Area	2,584 sqft
2nd Floor Area	1,616 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Lot Area	108,246 sqft
Garage Type	Attached
Garage Area	794 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	45 LAIRD DR
City	MORAGA
State	CA
Zip	94556-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POR RO COLORADOS
Legal Subdivision	MORAGA PLANNING COMMISSION
Legal Lot Number	2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	352201

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	2 Company Names on Record
Mailing Address	45 LAIRD DR, MORAGA, CA 94556-1406
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Sep 10, 2003 · Amount on Record
Deed Document Number	202566854
Prior Transfer Date	Jan 29, 2007
Prior Transfer Doc	0000038621
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 21, 2026
Property Address	45 LAIRD DR, MORAGA, CA 94556-1406
Document Number	0000040463
Instrument Date	Mar 2, 2026
Instrument	202640463
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	45 LAIRD DR, MORAGA, CA 94556-1406

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	45 LAIRD DR, MORAGA, CA 94556-1406
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAIRD DR, MORAGA, CA 94556-1406

Mortgage

Document Number	0000124856
Date	Nov 5, 2025
Instrument	2025- 124856

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	8945 CAL CENTER DR, SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	45 LAIRD DR, MORAGA, CA 94556-1406
Document Number	0000001290
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45 LAIRD DR MORAGA CA 945561406, MORAGA, CA 94556-1406

Mortgage

Document Number	0000001290
Date	Jan 4, 2019
Instrument	1290

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$2,975,000 (+13.17%) Land $1,200,000 Building $1,775,000
2025	$30,969.00 (+5.91%)	$2,628,883 (+4.04%) Land $2,132,687 Building $496,196
2023	$29,242.00 (+1.64%)	$2,526,802 Land $2,049,873 Building $476,929
2022	$28,769.00

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	7 in force
Nearby Flood Claims	6 (1979–1996)
Most Recent Claim	Apr 1996 · 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

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.4% 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Laird Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures