973 S Monarch Rd, San Ramon, CA 94582 Property Records

Contra Costa County property record for 973 S Monarch Rd, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,378 sqft · built 2018
Lot Size	0.069 acres (3,006 sqft)
Owner	Individual Name on File
Last Sale	$1,136,500 (Feb 2019)
Tax Bill	$16,895 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-810-005-9`

Property Details

APN / Parcel Number

Primary APN	`222-810-005-9`
Alternative APN	`222-810-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,378 sqft Living Area
1st Floor Area	794 sqft
2nd Floor Area	1,584 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Architectural Style	Cluster
Lot Area	3,006 sqft (0.069 acres)
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	973 S MONARCH RD
City	SAN RAMON
State	CA
Zip	94582-6019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9326 L5
Legal Subdivision	SUBDIVISION 9326
Legal Tract	9326
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3009
Census Tract	355115

Owner

973 S Monarch Rd is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CIT BANK NA
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Oct 10, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 19, 2019	Grant Deed, Subdivision Related Transfer · ARM TBI MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Deed Document Number	201922111
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019

Mortgage

Document Number	0000259294
Date	Nov 2, 2020
Instrument	2020-259294

Lender

Name	CIT BANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE CONNECT INC SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213765
Date	Nov 27, 2019
Instrument	2019-213765

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019

Mortgage

Document Number	0000151786
Date	Oct 10, 2022
Instrument	2022-151786

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 19, 2019
Property Address	973 S MONARCH RD, SAN RAMON, CA 94582-6019
Document Number	0000022111
Map Reference	MB 531 PG 28-36
Instrument Date	Jan 2, 2019
Instrument	2019-022111
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	WESTMINSTER TITLE COMPANY IN

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
Address	973 SOUTH MONARCH ROAD, SAN RAMON, CA 94582-6019
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022112
Date	Feb 19, 2019
Instrument	2019-022112

Lender

Name	TBI MORTGAGE CO
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 973 S Monarch Rd was $16,895 with a homeowner's exemption.

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		$1,292,796 (+2%) Land $739,586 Building $553,210
2025	$16,895.00 Homeowner's exemption	$1,267,448 Land $725,085 Building $542,363
2023	$16,221.00 (+1.37%) Homeowner's exemption	$1,218,233 Land $696,930 Building $521,303
2022	$16,001.00

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

Flood

FEMA maps place 973 S Monarch Rd 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 973 S Monarch Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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	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 669 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
Sail Internet Fixed Wireless · DSL in parts of the area	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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