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

Contra Costa County property record for 981 S Monarch Rd, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,534 sqft · built 2018
Lot Size	0.086 acres (3,724 sqft)
Owner	2 Individual Names on File
Last Sale	$1,360,500 (Mar 2019)
Tax Bill	$19,676 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222-810-039-8`

Property Details

APN / Parcel Number

Primary APN	`222-810-039-8`
Alternative APN	`222-810-039`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,534 sqft Living Area
1st Floor Area	1,106 sqft
2nd Floor Area	1,428 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Architectural Style	Cluster
Lot Area	3,724 sqft (0.086 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	981 S MONARCH RD
City	SAN RAMON
State	CA
Zip	94582-6019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9326 L3 & POR ADJ TR
Legal Subdivision	GALE RANCH SUB 9326
Legal Tract	9326
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	TASSAJARA
Census Block Group	3
Census Block	3009
Census Tract	355115

Owner

981 S Monarch Rd is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	981 S MONARCH RD, SAN RAMON, CA 94582-6019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 5, 2019	Grant Deed, Subdivision Related Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Deed Document Number	201929686
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	981 S MONARCH RD, SAN RAMON, CA 94582-6019
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 S MONARCH RD, SAN RAMON, CA 94582-6019

Mortgage

Document Number	0000222448
Date	Aug 10, 2021
Instrument	2021-222448

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	981 S MONARCH RD, SAN RAMON, CA 94582-6019
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162506
Date	Aug 5, 2020
Instrument	2020-162506

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	7.87%

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 5, 2019
Property Address	981 S MONARCH RD, SAN RAMON, CA 94582-6019
Document Number	0000029686
Map Reference	MB 531 PG 28
Instrument Date	Feb 7, 2019
Instrument	2019-029686
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
Relationship	Community Property with Right of Survivorship
Address	981 SOUTH MONARCH ROAD, SAN RAMON, CA 94582-6019

Mortgage

Document Number	0000029687
Date	Mar 5, 2019
Instrument	2019-029687

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 981 S Monarch Rd was $19,676.

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		$1,547,669 (+2%) Land $967,152 Building $580,517
2025	$19,676.00	$1,517,324 Land $948,189 Building $569,135
2023	$18,910.00 (+1.27%)	$1,458,407 Land $911,371 Building $547,036
2022	$18,673.00

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

Flood

FEMA maps place 981 S Monarch 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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 981 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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