620 Santander Dr, San Ramon, CA 94583 Property Records

Contra Costa County property record for 620 Santander Dr, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,585 sqft · built 1979
Lot Size	0.192 acres (8,383 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,880,000 (Mar 2025)
Tax Bill	$10,616 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`209-491-011`

Property Details

APN / Parcel Number

Primary APN	`209-491-011`
Alternative APN	`209-491-011-0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,585 sqft Living Area
Gross Area	3,235 sqft
1st Floor Area	1,423 sqft
2nd Floor Area	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Cluster
Lot Area	8,383 sqft (0.192 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 SANTANDER DR
City	SAN RAMON
State	CA
Zip	94583-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T05217 L0011 B
Legal Subdivision	SUBDIVISION 5217
Legal Tract	05217
Legal Lot Number	11
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1004
Census Tract	345116

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 Individual Names on Record
Mailing Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ONE AMERICAN BANK
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	May 27, 2009 · Amount on Record
Deed Document Number	202527959
Prior Transfer Date	Dec 21, 2020
Prior Transfer Doc	0000329280
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	RADIAN TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147

Mortgage

Document Number	0000144035
Date	Dec 29, 2025
Instrument	2025- 144035

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000161864
Date	Sep 27, 2019
Instrument	2019-161864

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 30, 2020
Property Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147
Document Number	0000329280
Map Reference	MB 216 PG 1
Instrument Date	Dec 21, 2020
Instrument	2020-329280
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN 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
Relationship	Community Property with Right of Survivorship
Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147

Mortgage

Document Number	0000329281
Date	Dec 30, 2020
Instrument	2020-329281

Lender

Name	ONE AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	620 SANTANDER DR, SAN RAMON, CA 94583-2147
Document Number	0000093455
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 SANTANDER DR SAN RAMON CA 945832147, SAN RAMON, CA 94583-2147

Mortgage

Document Number	0000093455
Date	May 18, 2020
Instrument	93455

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 17, 2035

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		$1,917,600 (+115.81%) Land $1,326,000 Building $591,600
2025	$10,616.00 (+3.84%) Homeowner's exemption	$888,541 (+4.04%) Land $515,098 Building $373,443
2023	$10,223.00 (+0.77%) Homeowner's exemption	$854,041 Land $495,098 Building $358,943
2022	$10,145.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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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