491 Santander Dr, San Ramon, CA 94583 Property Records

Contra Costa County property record for 491 Santander Dr, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,070 sqft · built 1979
Lot Size	0.215 acres (9,360 sqft)
Owner	2 Company Names on Record
Last Sale	$1,680,000 (Jul 2026)
Tax Bill	$12,132 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`209-502-012-5`

Property Details

APN / Parcel Number

Primary APN	`209-502-012-5`
Alternative APN	`209-502-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,070 sqft Living Area
1st Floor Area	2,070 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	9,360 sqft (0.215 acres)
Garage Type	Attached
Garage Area	655 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	491 SANTANDER DR
City	SAN RAMON
State	CA
Zip	94583-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05217 L0206 B
Legal Subdivision	SUBDIVISION 5217
Legal Tract	05217
Legal Lot Number	206
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1005
Census Tract	345116

Owner

Source: Contra Costa County records, as of July 16, 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	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Grant Deed, Transfer · Conventional Mortgage AMERIS BANK
May 13, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Nov 26, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Document Number	202671966
Prior Transfer Date	Aug 10, 2005
Prior Transfer Doc	0000388419
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 8, 2026
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Document Number	0000071966
Instrument Date	Jun 26, 2026
Instrument	202671966
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186,648.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155

Mortgage

Document Number	0000071967,
Date	Jul 8, 2026
Instrument	202671967

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	May 13, 2026
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Document Number	0000049930
Instrument Date	May 8, 2026
Instrument	202649930
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155

Mortgage

Document Number	0000049930,
Date	May 13, 2026
Instrument	202649930

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 27, 2066

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155

Mortgage

Document Number	0000030410
Date	Apr 3, 2024
Instrument	2024-030410

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000189175
Date	Nov 26, 2018
Instrument	2018-189175

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126689
Date	Jun 29, 2020
Instrument	2020-126689

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	LANDSAFE TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SANTANDER DR, SAN RAMON, CA 94583-2155

Mortgage

Document Number	0000255628
Date	Sep 14, 2021
Instrument	2021-255628

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,041,994 (+2%) Land $735,528 Building $306,466
2025	$12,132.00 (+3.77%)	$1,021,563 (+4.04%) Land $721,106 Building $300,457
2023	$11,691.00 (+0.75%)	$981,896 Land $693,105 Building $288,791
2022	$11,604.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2025 · other causes

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 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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