651 MORAGA RD #32 MORAGA CA 945562261, 32, MORAGA, CA 94556-2261
Mortgage
Document Number
0000083303
Date
May 1, 2020
Instrument
83303
Lender
Name
BANK OF AMERICA
Type
Bank
Address
CHARLOTTE, NC 28255
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
Apr 30, 2050
August 2018: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
CONTRA COSTA CA
Recording Date
Aug 30, 2018
Property Address
651 MORAGA RD APT 32, 32, MORAGA, CA 94556-2261
Document Number
0000138837
Map Reference
MB 90 PG 15
Instrument Date
Aug 24, 2018
Instrument
2018-138837
Transaction Type
Transfer
Record Updated
Nov 3, 2022
Title Company
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
Notice of Default
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
651 MORAGA RD APT 32, 32, MORAGA, CA 94556-2261
Investor
Possibly a Property Investor
Mortgage
Document Number
0000138838
Date
Aug 30, 2018
Instrument
2018-138838
Lender
Name
WELLS FARGO BANK NA
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 651 Moraga Rd, Apt 32 was $7,939.
Source: Contra Costa County assessment roll, as of July 14, 2026
Property Jurisdictions
Type
Name
State
California
County
Contra Costa County
Municipality
Moraga Town
Secondary School District
Acalanes Union High School District (09 - 12)
Elementary School District
Moraga Elementary School District (KG - 08)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
2026
$540,000 (-5.77%)Land $410,000Building $130,000
2025
$7,939.00
$573,052Land $435,095Building $137,957
2023
$7,565.00 (+0.99%)
$550,800Land $418,200Building $132,600
2022
$7,491.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 651 Moraga Rd, Apt 32 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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
Nearest Special Flood Hazard Area
Zone AE, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Nearby Flood Policies
4 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 651 Moraga Rd, Apt 32 is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood
0.1% 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 160 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Xfinity Cable
2,000 / 250
May also be available: AT&T, Etheric Networks, T-Mobile, Unwired, Verizon.