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509 Andreas Ct, San Ramon, CA 94582 Property Records

Contra Costa County property record for 509 Andreas Ct, San Ramon, CA 94582

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,223 sqft · built 2002
Lot Size0.124 acres (5,414 sqft)
Owner2 Company Names on Record
Last Sale$2,210,000 (Dec 2024)
Tax Bill$28,733 (2025)
Deeds & MortgagesAug 2026 Mortgage
Jan 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN223-110-059-1

Property Details

APN / Parcel Number

Primary APN223-110-059-1
Alternative APN
  • 223-110-059

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Stories2 Stories
Building Area3,223 sqft Living Area
1st Floor Area1,566 sqft
2nd Floor Area1,657 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2003
Lot Area5,414 sqft (0.124 acres)
Garage TypeAttached
Garage Area622 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address509 ANDREAS CT
CitySAN RAMON
StateCA
Zip94582-4685
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionT8149 L71
Legal SubdivisionSUBDIVISION #8149
Legal Tract8149
Legal Lot Number71
JurisdictionCONTRA COSTA CA
Township / Civil DivisionTASSAJARA
Census Block Group1
Census Block1020
Census Tract355125

Owner

Source: Contra Costa County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address509 ANDREAS CT, SAN RAMON, CA 94582-4685
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA
Jan 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
THE GOLDEN 1 CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 6, 2024 · Amount on Record
Deed SaleDec 6, 2024 · Amount on Record
Prior SaleNov 22, 2002 · Amount on Record
Deed Document Number2024131154
Prior Transfer DateNov 7, 2002
Prior Transfer Doc0000007337
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Recording DateAug 24, 2026
Property Address509 ANDREAS CT, SAN RAMON, CA 94582-4685
Document Number0000089248
Instrument DateAug 18, 2026
Instrument202689248
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant, 269
Address509 ANDREAS CT, SAN RAMON, CA 94582-4685

Mortgage

Document Number0000089248,
DateAug 24, 2026
Instrument202689248
Lender
NameBANK OF AMERICA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Rate TypeAdjustable Rate
Rate4.63%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address509 ANDREAS CT, SAN RAMON, CA 94582-4685
Transaction TypeMortgage
Record UpdatedFeb 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 ANDREAS CT, SAN RAMON, CA 94582-4685

Mortgage

Document Number0000009196
DateJan 29, 2026
Instrument2026- 009196
Lender
NameTHE GOLDEN 1 CU
TypeCredit Union
Address8945 CAL CENTER DR, SACRAMENTO, CA 95826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.37%
AdjustableAdjustable Rate Rider
Type Change DateFeb 1, 2031
Change Frequency6 Months
Min Rate At Change3.37%
Max Rate At Change7.37%
IndexOther
Max Rate10.3%

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$2,254,200 (+2%) Land $1,326,000 Building $928,200
2025$28,733.00 (+70.3%)$2,210,000 (+100.22%) Land $1,300,000 Building $910,000
2023$16,872.00 (+1.92%) Homeowner's exemption$1,103,788 Land $522,027 Building $581,761
2022$16,554.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within 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 SystemDUBLIN SAN RAMON SERVICES DISTRICT
serves 98,776 people · EPA ID CA0110009
Water SourcePurchased surface water from ZONE 7 WATER AGENCY
Last State InspectionSep 2024
LeadUnder 1 ppb (2023–2025)
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Unwired
Fixed Wireless		300 / 25
Etheric Networks
Fixed Wireless		250 / 100
T-Mobile
Fixed Wireless		100 / 20

May also be available: Sail Internet, Verizon.

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