5128 Chiltern Ln

San Ramon 94582 · APN 223-650-026-6 · San Ramon

Property brief (PDF)Timeline ↓Calculator ↓Official records ↓

We don't have building permits for San Ramon, so permit history and nearby activity are incomplete here. Building permits cover Richmond only, and end in April 2025, when the city replaced its permit system. New housing in every city comes from the state's Housing Element reports. Parcel, assessor, and record links still apply.

For saleLast soldEst. price

What's changing nearby

No permit activity recorded within ½ mile.

Explore projects on the map →Explore sales & prices →

Estimated price, listing status & sales records

Benchmark valuation & transaction history

Estimated PriceArea benchmark

$1,708,000

Benchmark range: $1,452,000 – $1,964,000

Listing StatusOff Market

Not currently listed for sale

Compare nearby sales & prices on map →

Last Sold & Tax Roll

No deed price in open GIS feed

Verify on Property tax bill

How this estimated price is calculated (Area ZHVI + ACS + Permit Benchmark)

Model monthly ownership cost ↓

1. Area home value baseline: ZIP 94582 Zillow Home Value Index ($1,664,501, September 2026); $1,664,501
2. Parcel & lot adjustment (1.03×): Single-family lot (8,310 sq ft, +2.6% lot-size adjustment vs 6,000 sq ft standard lot); +$43,370
3. Documented permitted improvements: No recent value-adding ADU, addition, or remodel permits recorded on this parcel; +$0

Public-records benchmark estimate combining Zillow Home Value Index (Data provided by Zillow), Census ACS 5-year estimates, parcel land-use/lot characteristics, and issued building permits. Not an official appraisal.

What could be built here

A screen, not a determination

ADU or junior ADU

Can't tell

We don't have a zoning map for San Ramon.

What we couldn't check (4)

Setbacks, height and size limits in the local ADU ordinance
Utility and sewer capacity, fire access
Historic district or landmark status: we have no historic layer for this area yet.
Locally adopted fire hazard maps, which can be broader than the State's.

SB 9: two homes on the lot

Can't tell

We don't have a zoning map for San Ramon.

What we couldn't check (6)

Whether a tenant lived there in the last 3 years, or the building was withdrawn from rent under the Ellis Act
Rent-controlled or deed-restricted affordable housing on the lot
Wetlands, habitat, farmland, hazardous waste sites and conservation easements
Local SB 9 standards (size, setbacks, parking)
Historic district or landmark status: we have no historic layer for this area yet.
Locally adopted fire hazard maps, which can be broader than the State's.

SB 9: split into two lots

Can't tell

We don't have a zoning map for San Ramon.

What we couldn't check (6)

Owner-occupancy: the applicant must sign an affidavit to live in one of the homes for 3 years
Whether the lot was created by an earlier SB 9 split, or the owner split an adjacent lot
Whether a tenant lived there in the last 3 years, or the building was withdrawn from rent under the Ellis Act
Wetlands, habitat, farmland, hazardous waste sites and conservation easements
Historic district or landmark status: we have no historic layer for this area yet.
Locally adopted fire hazard maps, which can be broader than the State's.

Mapped hazards on this lot

Fire hazard severity zone: Moderate Fire Hazard Severity Zone (Local Responsibility Area), about 33% of the lot · State map of Mar 24, 2025; takes effect when the city or county adopts it
FEMA flood zone: Zone X: minimal flood hazard, about 68% of the lotZone X: minimal flood hazard, about 32% of the lotFIRM panel 06013C0470F, effective June 16, 2009. Official flood map
Earthquake fault zone: Not in an Alquist-Priolo Earthquake Fault Zone

Built nearby: within ¼ mile since November 2023

We don't have building permits for San Ramon, so we can't show what has been permitted nearby.

Permit counts, by the date issued (or applied, if not yet issued). Lot splits are planning cases, which we don't have.

We read public zoning and hazard maps against state law (ADUs: Gov. Code 66314; SB 9: Gov. Code 65852.21 and 66411.7). Local rules, title, tenancy history and site conditions can change the answer. Check with San Ramon's planning department before relying on it.

Sources: Contra Costa County Department of Conservation and Development, Zoning (unincorporated Contra Costa) (retrieved Oct 26, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the State Responsibility Area (effective 2024-04-01) (retrieved Oct 26, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the Local Responsibility Area (map dated 2025-03-24) (retrieved Oct 26, 2026) · FEMA, National Flood Hazard Layer — flood hazard zones (retrieved Oct 26, 2026) · FEMA, National Flood Hazard Layer — FIRM panels (retrieved Oct 26, 2026) · California Geological Survey, Alquist-Priolo Earthquake Fault Zones (retrieved Oct 26, 2026)

Property & area intelligence timeline

10 events

Chronological history of building permit applications and issuances, snapshot-dated status changes, State housing entitlements, surrounding development within ½ mile, and area home-value trends.

20261 event

September 2026Market trend
ZIP 94582
ZIP 94582 typical home value: $1,664,501 (−3.0% year-over-year)
Latest published Zillow Home Value Index (ZHVI) update
Changed from $1,716,171 in September 2025 to $1,664,501 in September 2026.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)

20251 event

September 2025Market trend
ZIP 94582
ZIP 94582 typical home value: $1,716,171 (−5.5% year-over-year)
Annual ZIP 94582 home-value index checkpoint
Changed from $1,816,773 in September 2024 to $1,716,171 in September 2025.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)

20242 events

September 2024Market trend
ZIP 94582
ZIP 94582 typical home value: $1,816,773 (+6.6% year-over-year)
Annual ZIP 94582 home-value index checkpoint
Changed from $1,704,984 in September 2023 to $1,816,773 in September 2024.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)
Sep 13, 2024Nearby project · Finaled / completed
0.34 mi NE
New home — Finaled / completed
1 unit
Records span Aug 4, 2023 to Sep 13, 2024 (0 permits).
Source: City of Richmond Planning & Building, PermitTrak (eTRAKiT permits, 1992 to April 2025) & HCD APR (grouped project within ½ mile)

20231 event

September 2023Market trend
ZIP 94582
ZIP 94582 typical home value: $1,704,984 (−3.4% year-over-year)
Annual ZIP 94582 home-value index checkpoint
Changed from $1,765,247 in September 2022 to $1,704,984 in September 2023.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)

20223 events

September 2022Market trend
ZIP 94582
ZIP 94582 typical home value: $1,765,247 (+16.9% year-over-year)
Annual ZIP 94582 home-value index checkpoint
Changed from $1,510,068 in September 2021 to $1,765,247 in September 2022.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)
May 19, 2022Nearby project · Finaled / completed
0.26 mi NE
New home — Finaled / completed
1 unit
Records span Aug 18, 2021 to May 19, 2022 (0 permits).
Source: City of Richmond Planning & Building, PermitTrak (eTRAKiT permits, 1992 to April 2025) & HCD APR (grouped project within ½ mile)
Apr 13, 2022Nearby project · Finaled / completed
0.23 mi E
New home — Finaled / completed
1 unit
Records span Jun 1, 2021 to Apr 13, 2022 (0 permits).
Source: City of Richmond Planning & Building, PermitTrak (eTRAKiT permits, 1992 to April 2025) & HCD APR (grouped project within ½ mile)

20211 event

September 2021Market trend
ZIP 94582
ZIP 94582 typical home value: $1,510,068 (+33.3% year-over-year)
Annual ZIP 94582 home-value index checkpoint
Changed from $1,132,735 in September 2020 to $1,510,068 in September 2021.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94582 (not a parcel appraisal)

20181 event

Apr 12, 2018Housing completed
On this parcel
1 housing unit completed (BP 17-0260)
Reported in 2018 Housing Element Annual Progress Report
ADU · Owner
Source: California HCD, Housing Element Annual Progress Report — Table A2 · Geography: parcel

Recorded sales & deed transfers: California county recorders do not publish open bulk deed-transfer feeds without owner-PII restrictions, so individual sale deeds are not redistributed here. For official assessment roll and recorded transfer history in San Ramon, inspect Property tax bill ↗.

Development graph & closer investigation

0 investigation leads

Cross-referenced intelligence from our historical development graph—connecting parcels, permits, entity-resolved builders, empirical review-time distributions, and neighborhood renovation trends.

Explore full San Ramon development graph →

Developments deserving closer investigation (0)

On this parcel & within ½ mile

No active projects on this parcel or within ½ mile currently exceed empirical 75th-percentile review-time thresholds or high-scale alerts.

Ownership & rental scenario calculator

Prop 13 tax estimate & area benchmarks

Area rent & home-value benchmarks (kept separate from your assumptions)

Click any benchmark to pre-fill the calculator

HUD Small Area Fair Market Rent · ZIP 94582

HUD FY 2026 · 40th-percentile gross rent

Census ACS 5-year median gross rent (all bedroom counts combined):

ZIP 94582$2,907±$116

Area home-value benchmarks (not an appraisal)

ZIP & neighborhood medians

Zillow ZHVI · ZIP 94582(as of September 2026)Data provided by Zillow · typical mid-tier home value in ZIP

$1,664,501

ACS Median Home Value · ZIP 94582Census ACS 2020–2024 owner-occupied self-reported median

$1,661,000±$49,500

1. Purchase, financing & Prop 13 tax reassessment

Purchase price ($)Down payment (%)$342,000Interest rate (%)Loan termClosing costs (%)$34,200

Prop 13 post-purchase property tax estimate

$1,719/mo ($20,628/yr · 1.21%)

Under California Proposition 13, the seller's historical assessed value does not carry over to a buyer. On sale, the parcel is reassessed at the purchase price: 1.00% base rate ($17,100/yr) + local voter-approved bond debt ($3,078/yr) + fixed direct levies/Mello-Roos ($450/yr).

Voter bond rate (%)$3,078/yrDirect levies / Mello-Roos ($/yr)Check Property tax bill ↗

2. Your rent & operating assumptions

Monthly gross rent ($)Your assumptionVacancy allowance (%)−$178/moManagement (%)$270/moMaintenance (%)$178/moCapEx reserve (%)$178/moInsurance ($/mo)$3,300/yrHOA dues ($/mo)Owner utilities ($/mo)

Mapped hazard zone insurance context on this parcel:

Parcel intersects a mapped Moderate Fire Hazard Severity Zone (Local Responsibility Area) (local responsibility area). Properties in High or Very High fire hazard zones may require California FAIR Plan + difference-in-conditions (DIC) coverage; verify actual insurability and quotes early.

3. Scenario results (based on your assumptions)

Net monthly cash flow: −$7,893
Cash-on-cash return: -25.2%
Cap rate (Year 1 NOI): 0.53%
DSCR (NOI / debt): 0.09x
Break-even gross rent: $13,748/mo
Break-even vacancy: 0% (negative at full occ.)

Monthly cash-flow breakdown (Effective gross $3,373 − Operating $2,619 − Debt $8,647)

Gross scheduled rent$3,550

Vacancy allowance (5%)−$178

Effective gross income$3,373

Prop 13 property tax (1.21%)−$1,719

Property insurance−$275

Management (8%), maintenance (5%) & CapEx (5%)−$625

Net Operating Income (NOI)+$754

Mortgage principal & interest (1,368,000 loan)−$8,647

Net monthly cash flow−$7,893

4. Sensitivity & rent-stabilization ceiling (San Ramon)

Scenario	Assumptions	Year 1 Rent	Year 1 Cash Flow	Cash-on-Cash	Break-Even Rent	Year 5 Cash Flow
Conservative	−8% starting rent, +3% vacancy, +3% combined maintenance/CapEx, 1.5%/yr rent growth	$3,266/mo	−$8,301/mo	-26.5%	$14,853/mo	−$8,325/mo
Base (your inputs)	Your entered assumptions, 3.0%/yr rent growth	$3,550/mo	−$7,893/mo	-25.2%	$13,748/mo	−$7,715/mo
Optimistic (cap-limited)	+6% starting rent, 3% vacancy, 4.5%/yr rent growth (capped by AB 1482 ceiling of 8.6%/yr)	$3,763/mo	−$7,659/mo	-24.4%	$13,428/mo	−$7,252/mo

Rental regulatory context (informational only — not legal advice):

California AB 1482 (Tenant Protection Act, Civ. Code § 1947.12) caps annual rent increases at 5% + local CPI (max 10%) on covered properties.

Common statutory exemption signals under AB 1482

Housing issued a certificate of occupancy within the last 15 years (rolling exemption under AB 1482).
Separately alienable single-family homes or condominiums not owned by a corporation, REIT, or LLC with a corporate member (when required statutory notice is in the lease).
Owner-occupied duplexes where the owner occupied one unit from the start of the tenancy.

Development projects on this parcel

New home
Finaled / completed1 unitsApr 12, 2018 – Apr 12, 2018

We group related permits and State housing reports into projects. That grouping is our inference, not an official record.

Permit history on this parcel

0 records

No building permits are recorded for this parcel since 2016.

Source: City of Richmond Planning & Building, PermitTrak (eTRAKiT permits, 1992 to April 2025) · Geography: parcel (APN) · Retrieved Oct 26, 2026 · Richmond's permits come from its eTRAKiT system, retired in 2025. Statuses are as of April 2025, and later permits are not published.

Housing activity reported to the State

Report year	Project / record	Type	Entitled	Permitted	Completed	Deed-restricted
2018	—(BP 17-0260)	ADU · Owner	—	—	1 (Apr 12, 2018)	—

Source: California HCD, Housing Element Annual Progress Report — Table A2 · Geography: project (parcel) · Retrieved Oct 26, 2026 · From San Ramon's Housing Element Annual Progress Reports. A project can appear in several report years as it moves from entitlement to permit to completion.

Zoning & planning

Zoning: No zoning map published for San Ramon

Source: Contra Costa County Department of Conservation and Development, Zoning (unincorporated Contra Costa) · Geography: zoning district polygon at parcel point · Retrieved Oct 26, 2026

Parcel facts

Lot size: 8,310 sq ft
Tax rate area: 17135
Assessor land use: Single Family, 2 or more residences on 1 or more site
Addresses on parcel: 2

Source: Contra Costa County Assessor / Department of Information Technology, Assessment Parcels · Geography: parcel · Retrieved Oct 26, 2026

Official records

CCMAP
County map with assessor parcel maps and zoning. Search parcel 223-650-026.
Property tax bill
Search by parcel number 223-650-026 (Contra Costa County Treasurer-Tax Collector). Assessed value is not market value.
FEMA Flood Map Service Center
The official flood hazard map for this location. Our reading of it is under What could be built here.

This site does not show owner names.

Scenario

Assumptions

Year 1 Rent

Year 1 Cash Flow

Cash-on-Cash

Break-Even Rent

Year 5 Cash Flow

Conservative

−8% starting rent, +3% vacancy, +3% combined maintenance/CapEx, 1.5%/yr rent growth

$3,266/mo

−$8,301/mo

-26.5%

$14,853/mo

−$8,325/mo

Base (your inputs)

Your entered assumptions, 3.0%/yr rent growth

$3,550/mo

−$7,893/mo

-25.2%

$13,748/mo

−$7,715/mo

Optimistic (cap-limited)

+6% starting rent, 3% vacancy, 4.5%/yr rent growth (capped by AB 1482 ceiling of 8.6%/yr)

$3,763/mo

−$7,659/mo

-24.4%

$13,428/mo

−$7,252/mo

Report year

Project / record

Type

Entitled

Permitted

Completed

Deed-restricted

2018

—(BP 17-0260)

ADU · Owner

—

1 (Apr 12, 2018)

—