509 Santander Dr, San Ramon, CA 94583 Property Records

Contra Costa County property record for 509 Santander Dr, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,106 sqft · built 1979
Lot Size	0.183 acres (7,968 sqft)
Owner	2 Individual Names on File
Last Sale	$1,600,000 (Aug 2023)
Tax Bill	$18,665 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`209-502-007-5`

Property Details

APN / Parcel Number

Primary APN	`209-502-007-5`
Alternative APN	`209-502-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,106 sqft Living Area
Gross Area	2,612 sqft
1st Floor Area	1,209 sqft
2nd Floor Area	897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Cluster
Lot Area	7,968 sqft (0.183 acres)
Lot Dimensions	93 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	506 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	509 SANTANDER DR
City	SAN RAMON
State	CA
Zip	94583-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05217 L0201 B
Legal Subdivision	SUBDIVISION 5217
Legal Tract	05217
Legal Lot Number	201
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1005
Census Tract	345116

Owner

509 Santander Dr is owned and occupied by two individuals who bought it in August 2023.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 SANTANDER DR, SAN RAMON, CA 94583-2144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Aug 21, 2023	Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on File
Deed Sale	Aug 21, 2023 · Amount on File
Deed Document Number	202380593
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	509 SANTANDER DR, SAN RAMON, CA 94583-2144
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SANTANDER DR, SAN RAMON, CA 94583-2144

Mortgage

Document Number	0000111767
Date	Oct 23, 2025
Instrument	2025- 111767

Lender

Name	CITIBANK NA
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Max Rate	10%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 21, 2023
Property Address	509 SANTANDER DR, SAN RAMON, CA 94583-2144
Document Number	0000080593
Map Reference	MB 216 PG 1
Instrument Date	Aug 18, 2023
Instrument	2023-080593
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	509 SANTANDER DR, SAN RAMON, CA 94583-2144

Mortgage

Document Number	0000080594
Date	Aug 21, 2023
Instrument	2023-080594

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.97%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Margin	3
Max Rate	10.9%

Tax Assessment & Valuation

The 2025 property tax bill for 509 Santander Dr was $18,665 with a homeowner's exemption.

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		$1,664,640 (+2%) Land $1,248,480 Building $416,160
2025	$18,665.00 Homeowner's exemption	$1,632,000 Land $1,224,000 Building $408,000
2023	$7,319.00 (+0.78%) Homeowner's exemption	$587,112 Land $339,536 Building $247,576
2022	$7,262.00

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

FEMA maps place 509 Santander Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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

Wildfire risk around 509 Santander Dr is low, with a 0.02% annual chance of 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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