185 Lucy Ln, Richmond, CA 94801 Property Records

Contra Costa County property record for 185 Lucy Ln, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,401 sqft · built 2006
Lot Size	0.06 acres (2,600 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (May 2018)
Tax Bill	$10,783 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`408-240-054-2`

Property Details

APN / Parcel Number

Primary APN	`408-240-054-2`
Alternative APN	`408-240-054`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,401 sqft Living Area
1st Floor Area	1,047 sqft
2nd Floor Area	1,354 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	2,600 sqft (0.06 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	185 LUCY LN
City	RICHMOND
State	CA
Zip	94801-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8755 L54
Legal Subdivision	SUBDIVISION 8755
Legal Tract	8755
Legal Lot Number	54
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1010
Census Tract	365002

Owner

185 Lucy Ln is owned by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	487 LINCOLN CIR, 2, MILLBRAE, CA 94030-1764
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
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
May 30, 2018	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Prior Sale	Sep 21, 2016 · Amount on File
Deed Document Number	201885065
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	185 LUCY LN, RICHMOND, CA 94801-1721
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 LUCY LN, RICHMOND, CA 94801-1721

Mortgage

Document Number	0000091986
Date	Mar 26, 2021
Instrument	2021-091986

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 30, 2018
Property Address	185 LUCY LN, RICHMOND, CA 94801-1721
Document Number	0000085065
Map Reference	MB 483 PG 20-31
Instrument Date	May 11, 2018
Instrument	2018-085065
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC 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	Joint Tenants
Address	185 LUCY LN, RICHMOND, CA 94801-1721

Mortgage

Document Number	0000085066
Date	May 30, 2018
Instrument	2018-085066

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 185 Lucy Ln was $10,783.

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$678,936 (+2%) Land $164,800 Building $514,136
2025	$10,783.00	$665,624 Land $161,569 Building $504,055
2023	$10,240.00 (+1.41%) Homeowner's exemption	$639,779 Land $155,296 Building $484,483
2022	$10,098.00

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

Flood

FEMA maps place 185 Lucy Ln in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (1982–2000)
Most Recent Claim	Feb 2000 · river or lake flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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

The area around 185 Lucy Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 692 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

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

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