1085 Orchard Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 1085 Orchard Rd, Lafayette, CA 94549

Property Summary

Property Type	Triplex
Details	3,187 sqft · built 1950
Lot Size	0.31 acres (13,503 sqft)
Owner	2 Individual Names on File
Last Sale	$1,560,000 (Jan 2022)
Tax Bill	$21,296 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`244-212-011-5`

Property Details

APN / Parcel Number

Primary APN	`244-212-011-5`
Alternative APN	`244-212-011`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,187 sqft Living Area
1st Floor Area	3,187 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Triplex
Lot Area	13,503 sqft (0.31 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1085 ORCHARD RD
City	LAFAYETTE
State	CA
Zip	94549-3162
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	LAF TERR POR LOT 14
Legal Subdivision	LAFAYETTE TERRACE
Legal Lot Number	14
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3005
Census Tract	348000

Owner

1085 Orchard Rd, a triplex, is owned by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1085 ORCHARD RD, A, LAFAYETTE, CA 94549-3162
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
Mar 30, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jan 24, 2022	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Deed Document Number	202213865
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1085 ORCHARD RD, LAFAYETTE, CA 94549-3162
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 ORCHARD RD, LAFAYETTE, CA 94549-3162

Mortgage

Document Number	0000055279
Date	Mar 30, 2022
Instrument	2022-055279

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 24, 2022
Property Address	1085 ORCHARD RD, LAFAYETTE, CA 94549-3162
Document Number	0000013865
Map Reference	MB 10 PG 231
Instrument Date	Jan 19, 2022
Instrument	2022-013865
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	1085 ORCHARD RD, LAFAYETTE, CA 94549-3162

Mortgage

Document Number	0000013866
Date	Jan 24, 2022
Instrument	2022-013866

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1085 Orchard Rd was $21,296.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Lafayette City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Lafayette Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,688,591 (+2%) Land $930,890 Building $757,701
2025	$21,296.00	$1,655,483 Land $912,638 Building $742,845
2023	$20,662.00 (+2.6%)	$1,591,200 Land $877,200 Building $714,000
2022	$20,139.00

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

Flood

FEMA maps place 1085 Orchard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	6 in force
Nearby Flood Claims	2 (1980–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2019 · other causes

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 1085 Orchard Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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