863 Camino Ricardo, Moraga, CA 94556 Property Records

Contra Costa County property record for 863 Camino Ricardo, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,083 sqft · built 1966
Lot Size	0.253 acres (11,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,705,000 (Jul 2020)
Tax Bill	$22,201 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`255-441-004-9`

Property Details

APN / Parcel Number

Primary APN	`255-441-004-9`
Alternative APN	`255-441-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,083 sqft Living Area
Gross Area	2,536 sqft
1st Floor Area	2,083 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	11,000 sqft (0.253 acres)
Garage Type	Attached
Garage Area	453 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	863 CAMINO RICARDO
City	MORAGA
State	CA
Zip	94556-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3190 LOT 114 EX MR
Legal Subdivision	SUBDIVISION 3190
Legal Tract	3190
Legal Lot Number	114
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2000
Census Tract	352201

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 Company Names on Record
Mailing Address	863 CAMINO RICARDO, MORAGA, CA 94556-1243
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MAXREAL CUPERTINO
Jul 24, 2020	Grant Deed, Transfer MAXREAL CUPERTINO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Nov 12, 2014 · Amount on Record
Deed Document Number	2020152333
Prior Transfer Date	Aug 18, 2011
Prior Transfer Doc	0000173479
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	863 CAMINO RICARDO, MORAGA, CA 94556-1243
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000141615
Date	Aug 7, 2017
Instrument	2017-141615

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	863 CAMINO RICARDO, MORAGA, CA 94556-1243
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PASION CORNERSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	863 CAMINO RICARDO, MORAGA, CA 94556-1243

Mortgage

Document Number	0000041372
Date	Feb 10, 2021
Instrument	2021-041372

Lender

Name	MAXREAL CUPERTINO
Type	Non-Lending Institution
Address	CUPERTINO, CA 95014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 24, 2020
Property Address	863 CAMINO RICARDO, MORAGA, CA 94556-1243
Document Number	0000152333
Instrument Date	Jul 21, 2020
Instrument	152333
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	174 LU ANNE DR CAMPBELL CA 950081718, CAMPBELL, CA 95008-1718

Mortgage

Document Number	152334
Date	Jul 24, 2020
Instrument	152334

Lender

Name	MAXREAL CUPERTINO
Address	CUPERTINO, CA 95014

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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	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		$1,882,455 (+2%) Land $1,324,895 Building $557,560
2025	$22,201.00 (+5.87%) Homeowner's exemption	$1,845,545 (+4.04%) Land $1,298,917 Building $546,628
2023	$20,971.00 (+1.63%) Homeowner's exemption	$1,773,882 Land $1,248,480 Building $525,402
2022	$20,634.00

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 · 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	1 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1982 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Unwired Fixed Wireless	300 / 25

May also be available: AT&T, Etheric Networks, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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