Contra Costa County property record for 2645 Smith Ranch, Walnut Creek, CA 94598
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,558 sqft · built 2022 |
| Lot Size | 0.261 acres (11,377 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $21,551 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145-042-019-3 |
| Primary APN | 145-042-019-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,558 sqft Living Area |
| 1st Floor Area | 2,558 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 11,377 sqft (0.261 acres) |
| Garage Type | Attached |
| Garage Area | 458 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2645 SMITH RNCH |
|---|---|
| City | WALNUT CREEK |
| State | CA |
| Zip | 94598-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T9408 L7 |
| Legal Tract | 9408 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 338201 |
2645 Smith Ranch is owned and occupied by two individuals.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2645 SMITH RNCH, WALNUT CREEK, CA 94598-1239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Feb 28, 2023 |
| Property Address | 2645 SMITH RNCH, WALNUT CREEK, CA 94598-1239 |
| Document Number | 0000018026 |
| Map Reference | MB 547 PG 7-11 |
| Instrument Date | Feb 6, 2023 |
| Instrument | 2023-018026 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2645 SMITH RNCH, WALNUT CREEK, CA 94598-1239 |
| Document Number | 0000018027 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 2023-018027 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2038 |
The 2025 property tax bill for 2645 Smith Ranch was $21,551.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Walnut Creek City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,910,173 (+2%) Land $1,167,328 Building $742,845 | |
| 2025 | $21,551.00 | $1,872,720 Land $1,144,440 Building $728,280 |
| 2023 | $10,937.00 | $914,162 Land $378,440 Building $535,722 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2645 Smith Ranch in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jan 1982 · Severe Storms, Flood, Mudslides & High Tide |
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.
The area around 2645 Smith Ranch 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2022 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 406 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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