651 Thyme Way, San Ramon, CA 94582 Property Records

Contra Costa County property record for 651 Thyme Way, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,665 sqft · built 2018
Lot Size	0.093 acres (4,059 sqft)
Owner	2 Individual Names on File
Last Sale	$1,440,000 (Sep 2019)
Tax Bill	$20,297 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-820-012-3`

Property Details

APN / Parcel Number

Primary APN	`222-820-012-3`
Alternative APN	`222-820-012`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,665 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	2,351 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Architectural Style	Cluster
Lot Area	4,059 sqft (0.093 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	651 THYME WAY
City	SAN RAMON
State	CA
Zip	94582-5099
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9299 L12
Legal Subdivision	GALE RANCH SUB 9299
Legal Tract	9299
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4031
Census Tract	345112

Owner

651 Thyme Way is owned and occupied by two individuals who bought it in September 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	651 THYME WAY, SAN RAMON, CA 94582-5099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Sep 23, 2019	Grant Deed, Subdivision Related Transfer · ARM CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Deed Document Number	2019157522
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	651 THYME WAY, SAN RAMON, CA 94582-5099
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 THYME WAY, SAN RAMON, CA 94582-5099

Mortgage

Document Number	0000109462
Date	Oct 17, 2025
Instrument	2025- 109462

Lender

Name	FREMONT BANK
Type	Bank
Address	2580 SHEA CENTER DR, LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2055

Interest

Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	651 THYME WAY, SAN RAMON, CA 94582-5099
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 THYME WAY, SAN RAMON, CA 94582-5099

Mortgage

Document Number	0000020500
Date	Feb 2, 2022
Instrument	2022-020500

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	651 THYME WAY, SAN RAMON, CA 94582-5099
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 THYME WAY, SAN RAMON, CA 94582-5099

Mortgage

Document Number	0000220210
Date	Aug 6, 2021
Instrument	2021-220210

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 23, 2019
Property Address	651 THYME WAY, SAN RAMON, CA 94582-5099
Document Number	0000157522
Map Reference	MB 533 PG 48-55
Instrument Date	Sep 20, 2019
Instrument	2019-157522
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	WESTMINSTER TITLE CO INC

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	651 THYME WAY, SAN RAMON, CA 94582-5099

Mortgage

Document Number	0000157523
Date	Sep 23, 2019
Instrument	2019-157523

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.85%
Index	1-Year LIBOR
Max Rate	7.85%

Tax Assessment & Valuation

The 2025 property tax bill for 651 Thyme Way was $20,297.

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		$1,606,119 (+2%) Land $836,637 Building $769,482
2025	$20,297.00	$1,574,628 Land $820,233 Building $754,395
2023	$19,509.00 (+1.26%)	$1,513,484 Land $788,383 Building $725,101
2022	$19,267.00

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

Flood

FEMA maps place 651 Thyme Way 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 Thyme Way is moderate, ranking above 54% 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 54% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 534 locations within half a mile, as of December 31, 2025

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

May also be available: Sail Internet.

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