525 Ramos Ranch Rd, Oakley, CA 94561 Property Records

Contra Costa County property record for 525 Ramos Ranch Rd, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 2023
Lot Size	0.109 acres (4,756 sqft)
Owner	2 Individual Names on File
Last Sale	$228,500 (Sep 2025)
Tax Bill	$12,123 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033-470-052-3`

Property Details

APN / Parcel Number

Primary APN	`033-470-052-3`
Alternative APN	`033-470-052`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
1st Floor Area	1,017 sqft
2nd Floor Area	1,249 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	4,756 sqft (0.109 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	525 RAMOS RANCH RD
City	OAKLEY
State	CA
Zip	94561-2794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9498 L52
Legal Subdivision	SUBDIVISION 9498
Legal Tract	9498
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	302012

Owner

525 Ramos Ranch Rd is owned and occupied by two individuals who bought it in September 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 Individual Names on File
Mailing Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 14, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Sep 14, 2023	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Prior Sale	Sep 14, 2023 · Amount on File
Deed Document Number	202594832
Prior Transfer Date	Sep 11, 2025
Prior Transfer Doc	0000094832
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 17, 2025
Property Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794
Document Number	0000094832
Map Reference	MB 543 PG 44
Instrument Date	Sep 11, 2025
Instrument	2025- 094832
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794

Mortgage

Document Number	0000094833
Date	Sep 17, 2025
Instrument	2025- 094833

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 14, 2023
Property Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794
Document Number	0000088653
Map Reference	MB 543 PG 44
Instrument Date	Sep 12, 2023
Instrument	2023-088653
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 14, 2023
Property Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794
Document Number	0000088652
Map Reference	MB 543 PG 44-49
Instrument Date	Aug 29, 2023
Instrument	2023-088652
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Joint Tenants
Address	525 RAMOS RANCH RD, OAKLEY, CA 94561-2794

Mortgage

Document Number	0000088654
Date	Sep 14, 2023
Instrument	2023-088654

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 525 Ramos Ranch Rd was $12,123.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Oakley City
Secondary School District	Liberty Union High School District (09 - 12)
Elementary School District	Oakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$691,596 (-0.97%) Land $179,716 Building $511,880
2025	$12,123.00	$698,394 Land $178,500 Building $519,894
2023	$5,456.00 (+49.93%)	$164,407 Land $164,407
2022	$3,639.00

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

Flood

FEMA maps place 525 Ramos Ranch Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 525 Ramos Ranch Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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