5164 Rowan Dr, San Ramon, CA 94582 Property Records

Contra Costa County property record for 5164 Rowan Dr, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,171 sqft · built 2015
Lot Size	0.051 acres (2,199 sqft)
Owner	2 Trust Names on File
Last Sale	$1,550,000 (Jun 2021)
Tax Bill	$21,413 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`222-740-043-5`

Property Details

APN / Parcel Number

Primary APN	`222-740-043-5`
Alternative APN	`222-740-043`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,171 sqft Living Area
1st Floor Area	629 sqft
2nd Floor Area	1,542 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Architectural Style	Cluster
Lot Area	2,199 sqft (0.051 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5164 ROWAN DR
City	SAN RAMON
State	CA
Zip	94582-5977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9302 L43
Legal Subdivision	GALE RANCH SUB 9302
Legal Tract	9302
Legal Lot Number	43
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3012
Census Tract	355115

Owner

5164 Rowan Dr is owner-occupied and held in a trust since January 2025.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit BANNER BANK
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jun 4, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 29, 2018	Quit Claim Deed, Transfer WELLS FARGO BK
Oct 29, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Oct 29, 2018 · Amount on File
Deed Document Number	2021163832
Last Transfer Date	Jan 17, 2025
Transfer Doc	0000005534
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 2, 2026
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000057202
Instrument Date	May 18, 2026
Instrument	202657202
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000057202,
Date	Jun 2, 2026
Instrument	202657202

Lender

Name	BANNER BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092347
Date	May 15, 2020
Instrument	2020-092347

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000028761
Date	Feb 15, 2022
Instrument	2022-028761

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	Other
Max Rate	8.87%

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 4, 2021
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000163832
Map Reference	MB 524 PG 45-51
Instrument Date	May 20, 2021
Instrument	2021-163832
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

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	2664 SENTER RD APT 230, 230, SAN JOSE, CA 95111-1175

Mortgage

Document Number	0000163833
Date	Jun 4, 2021
Instrument	2021-163833

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2018
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000175642
Instrument Date	Oct 23, 2018
Instrument	175642
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5164 ROWAN DR SAN RAMON CA 94582, SAN RAMON, CA 94582

Mortgage

Document Number	175644
Date	Oct 29, 2018
Instrument	175644

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2048

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2018
Property Address	5164 ROWAN DR, SAN RAMON, CA 94582-5977
Document Number	0000175643
Map Reference	MB 524 PG 45-51
Instrument Date	Sep 23, 2018
Instrument	2018-175643
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	5164 ROWAN DR, SAN RAMON, CA 94582-5977

Mortgage

Document Number	0000175644
Date	Oct 29, 2018
Instrument	2018-175644

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 5164 Rowan Dr was $21,413.

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		$1,711,323 (+2%) Land $1,104,080 Building $607,243
2025	$21,413.00	$1,677,769 Land $1,082,432 Building $595,337
2023	$20,588.00 (+0.66%)	$1,612,620 Land $1,040,400 Building $572,220
2022	$20,452.00

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

Flood

FEMA maps place 5164 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 5164 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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