5154 Rowan Dr, San Ramon, CA 94582 Property Records

Contra Costa County property record for 5154 Rowan Dr, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,152 sqft · built 2018
Lot Size	0.051 acres (2,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,005,000 (Oct 2018)
Tax Bill	$15,307 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222-740-038-5`

Property Details

APN / Parcel Number

Primary APN	`222-740-038-5`
Alternative APN	`222-740-038`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,152 sqft Living Area
1st Floor Area	664 sqft
2nd Floor Area	1,488 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cluster
Lot Area	2,200 sqft (0.051 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5154 ROWAN DR
City	SAN RAMON
State	CA
Zip	94582-5977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9302 L38
Legal Subdivision	SUBDIVISION 9302
Legal Tract	9302
Legal Lot Number	38
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3012
Census Tract	355115

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 Individual Names on Record
Mailing Address	5154 ROWAN DR, SAN RAMON, CA 94582-5977
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LENDING GROUP
Oct 30, 2018	Grant Deed, Subdivision Related Transfer · ARM TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	2018176602
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5154 ROWAN DR, SAN RAMON, CA 94582-5977
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5154 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000273728
Date	Nov 13, 2020
Instrument	2020-273728

Lender

Name	PACIFIC BAY LENDING GROUP
Type	Lending Institution
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 30, 2018
Property Address	5154 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000176602
Map Reference	MB 524 PG 45-51
Instrument Date	Sep 23, 2018
Instrument	2018-176602
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	WESTMINSTER TITLE COMPANY IN

Transaction

Amount	Amount Recorded
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	5154 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000176603
Date	Oct 30, 2018
Instrument	2018-176603

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$1,143,171 (+2%) Land $682,695 Building $460,476
2025	$15,307.00 (+4.23%) Homeowner's exemption	$1,120,757 (+4.04%) Land $669,309 Building $451,448
2023	$14,686.00 (+1.44%) Homeowner's exemption	$1,077,239 Land $643,320 Building $433,919
2022	$14,478.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not 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 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	DUBLIN SAN RAMON SERVICES DISTRICT serves 98,776 people · EPA ID CA0110009
Water Source	Purchased surface water from ZONE 7 WATER AGENCY
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 669 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
Sail Internet Fixed Wireless · DSL in parts of the area	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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