581 Karina Ct, San Ramon, CA 94582 Property Records

Contra Costa County property record for 581 Karina Ct, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,269 sqft · built 2004
Lot Size	0.133 acres (5,774 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (Jun 2018)
Tax Bill	$22,497 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`223-320-011-8`

Property Details

APN / Parcel Number

Primary APN	`223-320-011-8`
Alternative APN	`223-320-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,269 sqft Living Area
1st Floor Area	2,008 sqft
2nd Floor Area	1,261 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Lot Area	5,774 sqft (0.133 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	581 KARINA CT
City	SAN RAMON
State	CA
Zip	94582-5683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8715 L211
Legal Subdivision	SUBDIVISION 8715
Legal Tract	8715
Legal Lot Number	211
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	2
Census Block	2001
Census Tract	355124

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 Company Names on Record
Mailing Address	581 KARINA CT, SAN RAMON, CA 94582-5683
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jun 9, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Oct 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2018	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	Feb 1, 2005 · Amount on Record
Deed Document Number	201899706
Last Transfer Date	Sep 13, 2019
Transfer Doc	0000172425
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	581 KARINA CT, SAN RAMON, CA 94582-5683
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE RES INFO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134179
Date	Aug 21, 2019
Instrument	2019-134179

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	581 KARINA CT, SAN RAMON, CA 94582-5683
Document Number	0000122288
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	581 KARINA CT SAN RAMON CA 945825683, SAN RAMON, CA 94582-5683

Mortgage

Document Number	0000122288
Date	Jun 24, 2020
Instrument	122288

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 10, 2019
Property Address	581 KARINA CT, SAN RAMON, CA 94582-5683
Document Number	0000172425
Instrument Date	Sep 13, 2019
Instrument	172425
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	581 KARINA CT SAN RAMON CA 945825683, SAN RAMON, CA 94582-5683

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 22, 2018
Property Address	581 KARINA CT, SAN RAMON, CA 94582-5683
Document Number	0000099706
Map Reference	MB 459 PG 39
Instrument Date	Jun 15, 2018
Instrument	2018-099706
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	581 KARINA CT, SAN RAMON, CA 94582-5683

Mortgage

Document Number	0000099707
Date	Jun 22, 2018
Instrument	2018-099707

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

Mortgage

Document Number	0000099707
Date	Jun 22, 2018
Instrument	2018-099707

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

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		$1,566,783 (+2%) Land $841,421 Building $725,362
2025	$22,497.00 (+1.7%) Homeowner's exemption	$1,536,063 (+4.04%) Land $824,923 Building $711,140
2023	$22,122.00 (+1.79%) Homeowner's exemption	$1,476,419 Land $792,892 Building $683,527
2022	$21,734.00

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	Moderate above 66% of the US · above 40% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 327 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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