643 Kirkstone Ct, San Ramon, CA 94582 Property Records

Contra Costa County property record for 643 Kirkstone Ct, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,494 sqft · built 2002
Lot Size	0.105 acres (4,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,030,000 (Jan 2016)
Tax Bill	$17,742 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`223-150-059-2`

Property Details

APN / Parcel Number

Primary APN	`223-150-059-2`
Alternative APN	`223-150-059`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,494 sqft Living Area
1st Floor Area	1,282 sqft
2nd Floor Area	1,212 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Lot Area	4,575 sqft (0.105 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	643 KIRKSTONE CT
City	SAN RAMON
State	CA
Zip	94582-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	?
Legal Description	T8154 L427
Legal Subdivision	SUBDIVISION 8154
Legal Tract	8154
Legal Lot Number	427
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3001
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 Individual Names on Record
Mailing Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 22, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on Record
Deed Sale	Jan 15, 2016 · Amount on Record
Prior Sale	Mar 21, 2003 · Amount on Record
Deed Document Number	20167331
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464

Mortgage

Document Number	0000134845
Date	May 5, 2021
Instrument	2021-134845

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184985
Date	Aug 27, 2020
Instrument	2020-184985

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464

Mortgage

Document Number	0000011122
Date	Jan 19, 2022
Instrument	2022-011122

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 KIRKSTONE CT, SAN RAMON, CA 94582-1464
Document Number	0000103888
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 KIRKSTONE CT SAN RAMON CA 945821464, SAN RAMON, CA 94582-1464

Mortgage

Document Number	0000103888
Date	Jun 1, 2020
Instrument	103888

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,243,689 (+2%) Land $845,228 Building $398,461
2025	$17,742.00 (+1.42%)	$1,219,304 (+4.04%) Land $828,655 Building $390,649
2023	$17,493.00 (+1.77%)	$1,171,959 Land $796,478 Building $375,481
2022	$17,189.00

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	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Sail Internet, Verizon.

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