651 Moraga Rd, Apt 4, Moraga, CA 94556 Property Records

Contra Costa County property record for 651 Moraga Rd, Apt 4, Moraga, CA 94556

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 669 sqft · built 1962
Lot Size	0.014 acres (624 sqft)
Owner	Trust Name on File
Last Sale	$141,000 (Aug 2012)
Tax Bill	$3,496 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`256-120-004-5`

Property Details

APN / Parcel Number

Primary APN	`256-120-004-5`
Alternative APN	`256-120-004`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	669 sqft Living Area
1st Floor Area	669 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1967
Architectural Style	Condo/Apartment
Lot Area	624 sqft (0.014 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	651 MORAGA RD, 4
City	MORAGA
State	CA
Zip	94556-2259
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TRACT 3100 UNIT 4
Legal Subdivision	SBDIVISION 3100
Legal Tract	3100
Legal Block	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1011
Census Tract	352101

Owner

651 Moraga Rd, Apt 4 is held in a trust since November 2020.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	Trust Name on File
Mailing Address	5 SOULE RD, ORINDA, CA 94563-1516
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Nov 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2012 · Amount on File
Deed Sale	Aug 1, 2012 · Amount on File
Prior Sale	Oct 28, 2004 · Amount on File
Deed Document Number	2012182968
Last Transfer Date	Nov 5, 2020
Transfer Doc	0000285595
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	651 MORAGA RD APT 4, 4, MORAGA, CA 94556-2259
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SOULE RD, ORINDA, CA 94563-1516

Mortgage

Document Number	0000033448
Date	Feb 3, 2021
Instrument	2021-033448

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 24, 2020
Property Address	651 MORAGA RD APT 4, 4, MORAGA, CA 94556-2259
Document Number	0000285595
Instrument Date	Nov 5, 2020
Instrument	285595
Transaction Type	Transfer
Record Updated	Dec 11, 2020
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	5 SOULE RD ORINDA CA 945631516, ORINDA, CA 94563-1516

Tax Assessment & Valuation

The 2025 property tax bill for 651 Moraga Rd, Apt 4 was $3,496.

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		$177,091 (+2%) Land $125,600 Building $51,491
2025	$3,496.00	$173,620 Land $123,138 Building $50,482
2023	$3,374.00 (+0.12%)	$166,880 Land $118,357 Building $48,523
2022	$3,370.00

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

Flood

FEMA maps place 651 Moraga Rd, Apt 4 in Zone X, an area of minimal flood risk.

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
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 4 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.

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