3495 Moraga Blvd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 3495 Moraga Blvd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,903 sqft · built 1946
Lot Size	0.126 acres (5,500 sqft)
Owner	Trust Name on File
Last Sale	$940,000 (Nov 2009)
Tax Bill	$15,237 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`234-021-003-4`

Property Details

APN / Parcel Number

Primary APN	`234-021-003-4`
Alternative APN	`234-021-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,903 sqft Living Area
1st Floor Area	1,903 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1998
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	316 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	3495 MORAGA BLVD
City	LAFAYETTE
State	CA
Zip	94549-4420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAFAYETTE HOMESITES LOT 3 BLK 5
Legal Subdivision	LAFAYETTE HOMESITES
Legal Block	5
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2003
Census Tract	349000

Owner

3495 Moraga Blvd is owner-occupied and held in a trust since November 2014.

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

Owner of Record	Trust Name on File
Mailing Address	3495 MORAGA BLVD, LAFAYETTE, CA 94549-4420
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2009 · Amount on File
Deed Sale	Nov 18, 2009 · Amount on File
Prior Sale	Nov 28, 1995 · Amount on File
Deed Document Number	2009273282
Last Transfer Date	Nov 7, 2014
Transfer Doc	0000205145
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3495 MORAGA BLVD, LAFAYETTE, CA 94549-4420
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 MORAGA BLVD, LAFAYETTE, CA 94549-4420

Mortgage

Document Number	0000143300
Date	Dec 24, 2025
Instrument	2025- 143300

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	101 SOUTH TRYON STREET, CHARLOTTE, NC 28280

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	5.12%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3495 MORAGA BLVD, LAFAYETTE, CA 94549-4420
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 MORAGA BLVD, LAFAYETTE, CA 94549-4420

Mortgage

Document Number	0000035293
Date	Apr 17, 2023
Instrument	2023-035293

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 18, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	Other
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 3495 Moraga Blvd was $15,237 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	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		$1,237,628 (+2%) Land $757,060 Building $480,568
2025	$15,237.00 Homeowner's exemption	$1,213,362 Land $742,216 Building $471,146
2023	$14,710.00 (+1.56%) Homeowner's exemption	$1,166,247 Land $713,396 Building $452,851
2022	$14,484.00

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

Flood

FEMA maps place 3495 Moraga Blvd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1982–2023)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 3495 Moraga Blvd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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	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 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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