728 Moraga Rd, Moraga, CA 94556 Property Records

Contra Costa County property record for 728 Moraga Rd, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 1960
Lot Size	0.581 acres (25,300 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Oct 2025)
Tax Bill	$13,952 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Oct 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`255-210-005-5`

Property Details

APN / Parcel Number

Primary APN	`255-210-005-5`
Alternative APN	`255-210-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,493 sqft Living Area
Gross Area	1,879 sqft
1st Floor Area	1,493 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	25,300 sqft (0.581 acres)
View / Lot	River
Garage Type	Attached
Garage Area	386 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	728 MORAGA RD
City	MORAGA
State	CA
Zip	94556-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 2691 LOT 3
Legal Subdivision	2691
Legal Tract	2691
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3000
Census Tract	352201

Owner

728 Moraga Rd is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	728 MORAGA RD, MORAGA, CA 94556-2301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 27, 2023	Deed of Trust, Mortgage · Line of Credit KAIPERM FCU
Oct 24, 2025	Quit Claim Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Oct 24, 2025	Grant Deed, Transfer · Conventional Mortgage ORIGINPOINT MORTGAGE LLC ILTLN ORIG
Nov 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage E MORTGAGE CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on File
Deed Sale	Oct 24, 2025 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	2025112440
Prior Transfer Date	Oct 30, 2020
Prior Transfer Doc	0000267653
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	728 MORAGA RD, MORAGA, CA 94556-2301
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 MORAGA RD, MORAGA, CA 94556-2301

Mortgage

Document Number	0000027922
Date	Mar 27, 2023
Instrument	2023-027922

Lender

Name	KAIPERM FCU
Type	Credit Union
Address	WALNUT CREEK, CA 94598

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Other

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 24, 2025
Property Address	728 MORAGA RD, MORAGA, CA 94556-2301
Document Number	0000112441
Map Reference	MB 75 PG 12
Instrument Date	Oct 16, 2025
Instrument	2025- 112441
Transaction Type	Transfer
Record Updated	Nov 7, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	728 MORAGA RD, MORAGA, CA 94556-2301

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 24, 2025
Property Address	728 MORAGA RD, MORAGA, CA 94556-2301
Document Number	0000112440
Map Reference	MB 75 PG 12
Instrument Date	Oct 16, 2025
Instrument	2025- 112440
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	OLD REPUBLIC TITLE, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	728 MORAGA RD, MORAGA, CA 94556-2301

Mortgage

Document Number	0000112442
Date	Oct 24, 2025
Instrument	2025- 112442

Lender

Name	ORIGINPOINT MORTGAGE LLC ILTLN ORIG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 9, 2020
Property Address	728 MORAGA RD, MORAGA, CA 94556-2301
Document Number	0000267653
Map Reference	MB 75 PG 12
Instrument Date	Oct 30, 2020
Instrument	2020-267653
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TITLE CONNECT INC

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	728 MORAGA RD, MORAGA, CA 94556-2301

Mortgage

Document Number	0000267654
Date	Nov 9, 2020
Instrument	2020-267654

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 728 Moraga Rd was $13,952.

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		$1,300,000 (+17.53%) Land $900,000 Building $400,000
2025	$13,952.00 Homeowner's exemption	$1,106,085 Land $869,968 Building $236,117
2023	$13,011.00 (+1.59%) Homeowner's exemption	$1,046,796 Land $836,187 Building $210,609
2022	$12,807.00

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

Flood

FEMA maps place 728 Moraga Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1982–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides

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 728 Moraga Rd is moderate, ranking above 56% 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 56% of the US · lower than 67% 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 225 locations within half a mile, as of December 31, 2025

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

May also be available: Etheric Networks, Verizon.

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