537 Santander Dr, San Ramon, CA 94583 Property Records

Contra Costa County property record for 537 Santander Dr, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,070 sqft · built 1979
Lot Size	0.188 acres (8,190 sqft)
Owner	2 Trust Names on File
Last Sale	$1,725,000 (Jul 2022)
Tax Bill	$20,502 (2025)
Deeds & Mortgages	Feb 2023 Transfer Jun 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`209-492-030-9`

Property Details

APN / Parcel Number

Primary APN	`209-492-030-9`
Alternative APN	`209-492-030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,070 sqft Living Area
1st Floor Area	2,070 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Cluster
Lot Area	8,190 sqft (0.188 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	537 SANTANDER DR
City	SAN RAMON
State	CA
Zip	94583-2156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05217 L0188 B
Legal Subdivision	SUBDIVISION 5217
Legal Tract	05217
Legal Lot Number	188
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1005
Census Tract	345116

Owner

537 Santander Dr is held in a trust since January 2023.

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	537 SANTANDER DR, SAN RAMON, CA 94583-2156
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Intrafamily Transfer, Transfer
Jun 15, 2017	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 1, 2022	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on File
Deed Sale	Jul 1, 2022 · Amount on File
Prior Sale	Apr 20, 2011 · Amount on File
Deed Document Number	2022107510
Last Transfer Date	Jan 20, 2023
Transfer Doc	0000011145
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 8, 2023
Property Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156
Document Number	0000011145
Map Reference	MB 216 PG 1
Instrument Date	Jan 20, 2023
Instrument	2023-011145
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107066
Date	Jun 15, 2017
Instrument	2017-107066

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156

Mortgage

Document Number	0000276499
Date	Oct 6, 2021
Instrument	2021-276499

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 1, 2022
Property Address	537 SANTANDER DR, SAN RAMON, CA 94583-2156
Document Number	0000107510
Map Reference	MB 216 PG 1
Instrument Date	Jun 21, 2022
Instrument	2022-107510
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	537 SANTANDER DR, SAN RAMON, CA 94583-2156

Mortgage

Document Number	0000107511
Date	Jul 1, 2022
Instrument	2022-107511

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 537 Santander Dr was $20,502.

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		$1,830,583 (+2%) Land $1,379,570 Building $451,013
2025	$20,502.00	$1,794,690 Land $1,352,520 Building $442,170
2023	$19,776.00 (+99.58%)	$1,725,000 Land $1,300,000 Building $425,000
2022	$9,909.00

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

Flood

FEMA maps place 537 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 537 Santander Dr is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 267 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: AT&T, T-Mobile.

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