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5040 E Lakeshore Dr, San Ramon, CA 94582 Property Records

Contra Costa County property record for 5040 E Lakeshore Dr, San Ramon, CA 94582

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,000 sqft · built 1989
Lot Size0.114 acres (4,960 sqft)
OwnerCompany Name on Record
Last Sale$789,000 (Jun 2008)
Tax Bill$12,723 (2025)
Deeds & MortgagesJun 2021 Mortgage
May 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN217-200-025-5

Property Details

APN / Parcel Number

Primary APN217-200-025-5
Alternative APN
  • 217-200-025

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,000 sqft Living Area
1st Floor Area1,085 sqft
2nd Floor Area915 sqft

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleCluster
Lot Area4,960 sqft (0.114 acres)
Garage TypeAttached
Garage Area430 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address5040 E LAKESHORE DR
CitySAN RAMON
StateCA
Zip94582-4822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionT6550 LOTS 75 & 75A
Legal SubdivisionSUBDIVISION 6550
Legal Tract6550
Legal Lot Number75
JurisdictionCONTRA COSTA CA
Township / Civil DivisionCENTRAL CONTRA COSTA
Census Block Group3
Census Block3000
Census Tract345117

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 RecordCompany Name on Record
Mailing Address5040 E LAKESHORE DR, SAN RAMON, CA 94582-4822
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jun 4, 2021Deed of Trust, Mortgage · Conventional Mortgage
EVOLVE BANK & TRUST
May 4, 2022Deed of Trust, Mortgage · Line of Credit
PATELCO CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2008 · Amount on Record
Deed SaleJun 3, 2008 · Amount on Record
Deed Document Number2008122733
Last Transfer DateDec 14, 2012
Transfer Doc0000028733
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address5040 E LAKESHORE DR, SAN RAMON, CA 94582-4822
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address5040 E LAKESHORE DR, SAN RAMON, CA 94582-4822

Mortgage

Document Number0000163366
DateJun 4, 2021
Instrument2021-163366
Lender
NameEVOLVE BANK & TRUST
TypeBank
AddressMEMPHIS, TN 38119
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address5040 E LAKESHORE DR, SAN RAMON, CA 94582-4822
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyNATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5040 E LAKESHORE DR, SAN RAMON, CA 94582-4822

Mortgage

Document Number0000077649
DateMay 4, 2022
Instrument2022-077649
Lender
NamePATELCO CU
TypeCredit Union
AddressDUBLIN, CA 94568
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueMay 30, 2047
Interest
Rate TypeAdjustable Rate
Rate3.75%
Change FrequencyMonthly
Min Rate At Change3%
Max Rate At Change3.75%
IndexOther
Max Rate17%

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalitySan Ramon City
Unified School DistrictSan Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,057,079 (+2%) Land $731,519 Building $325,560
2025$12,723.00 (+3.99%)$1,036,353 (+4.04%) Land $717,176 Building $319,177
2023$12,235.00 (+1.44%)$996,112 Land $689,328 Building $306,784
2022$12,061.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 in force

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 RiskLow
lower than 62% of the US · lower than 77% of California
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemEAST BAY MUD
serves 1,468,000 people · EPA ID CA0110005
Water SourceSurface water
Last State InspectionDec 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 458 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Unwired
Fixed Wireless		300 / 25
Etheric Networks
Fixed Wireless		250 / 100
AT&T
DSL · Fiber in parts of the area		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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