173 Lucy Ln, San Ramon, CA 94582 Property Records

Contra Costa County property record for 173 Lucy Ln, San Ramon, CA 94582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,858 sqft · built 2012
Lot Size	0.114 acres (4,947 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (May 2019)
Tax Bill	$18,572 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`222-460-004-5`

Property Details

APN / Parcel Number

Primary APN	`222-460-004-5`
Alternative APN	`222-460-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,858 sqft Living Area
1st Floor Area	1,509 sqft
2nd Floor Area	1,349 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Cluster
Lot Area	4,947 sqft (0.114 acres)
Garage Type	Attached
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	173 LUCY LN
City	SAN RAMON
State	CA
Zip	94582-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 8700 POR L23
Legal Subdivision	SUBDIVISION 8700
Legal Tract	8700
Legal Lot Number	23
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4007
Census Tract	345112

Owner

173 Lucy Ln is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	173 LUCY LN, SAN RAMON, CA 94582-5231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 28, 2019	Grant Deed, Transfer PROVIDENT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2019 · Amount on File
Deed Sale	May 28, 2019 · Amount on File
Deed Document Number	201977787
Prior Transfer Date	Sep 12, 2016
Prior Transfer Doc	0000205208
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	173 LUCY LN, SAN RAMON, CA 94582-5231
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 LUCY LN, SAN RAMON, CA 94582-5231

Mortgage

Document Number	0000012578
Date	Jan 20, 2022
Instrument	2022-012578

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 28, 2019
Property Address	173 LUCY LN, SAN RAMON, CA 94582-5231
Document Number	0000077787
Instrument Date	May 17, 2019
Instrument	77787
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	173 LUCY LN SAN RAMON CA 945825231, SAN RAMON, CA 94582-5231

Mortgage

Document Number	77788
Date	May 28, 2019
Instrument	77788

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 173 Lucy Ln was $18,572 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		$1,450,726 (+2%) Land $824,923 Building $625,803
2025	$18,572.00 Homeowner's exemption	$1,422,282 Land $808,749 Building $613,533
2023	$17,840.00 (+1.31%) Homeowner's exemption	$1,367,055 Land $777,346 Building $589,709
2022	$17,609.00

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

Flood

FEMA maps place 173 Lucy Ln 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 173 Lucy Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% 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	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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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