5160 Rowan Dr, San Ramon, CA 94582 Property Records

Contra Costa County property record for 5160 Rowan Dr, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,200 sqft · built 2015
Lot Size	0.071 acres (3,098 sqft)
Owner	Individual Name on File
Last Sale	$1,520,000 (Aug 2021)
Tax Bill	$17,379 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`222-740-041-9`

Property Details

APN / Parcel Number

Primary APN	`222-740-041-9`
Alternative APN	`222-740-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
1st Floor Area	659 sqft
2nd Floor Area	1,541 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Architectural Style	Cluster
Lot Area	3,098 sqft (0.071 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5160 ROWAN DR
City	SAN RAMON
State	CA
Zip	94582-5977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9302 L41
Legal Subdivision	SUB #9302
Legal Tract	9302
Legal Lot Number	41
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3012
Census Tract	355115

Owner

5160 Rowan Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Aug 12, 2021	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Oct 31, 2018	Quit Claim Deed, Transfer WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC
Oct 31, 2018	Grant Deed, Subdivision Related Transfer · ARM CATHAY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Prior Sale	Oct 31, 2018 · Amount on File
Deed Document Number	2021225010
Prior Transfer Date	Oct 12, 2018
Prior Transfer Doc	0000177625
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 12, 2026
Property Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000061692
Instrument Date	May 24, 2026
Instrument	202661692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000061692,
Date	Jun 12, 2026
Instrument	202661692

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000087053
Date	May 23, 2022
Instrument	2022-087053

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8%
Index	Other
Margin	3
Max Rate	8%

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 12, 2021
Property Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000225010
Map Reference	MB 524 PG 45-51
Instrument Date	Jun 22, 2021
Instrument	2021-225010
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL

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	Joint Tenants
Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Investor	Possibly a Property Investor

Mortgage

Document Number	0000225011
Date	Aug 12, 2021
Instrument	2021-225011

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 31, 2018
Property Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000177625
Instrument Date	Oct 12, 2018
Instrument	177625
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5160 ROWAN DR SAN RAMON CA 94582, SAN RAMON, CA 94582

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 31, 2018
Property Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000177626
Map Reference	MB 524 PG 45-51
Instrument Date	Sep 23, 2018
Instrument	2018-177626
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	WESTMINSTER TITLE COMPANY IN

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
Address	5160 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000177627
Date	Oct 31, 2018
Instrument	2018-177627

Lender

Name	CATHAY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 5160 Rowan Dr was $17,379.

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		$1,331,253 (+2%) Land $739,586 Building $591,667
2025	$17,379.00	$1,305,151 Land $725,085 Building $580,066
2023	$16,691.00 (+1.34%)	$1,254,473 Land $696,930 Building $557,543
2022	$16,470.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 5160 Rowan Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 5160 Rowan 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	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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