3957 Rancho Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 3957 Rancho Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,450 sqft · built 1956
Lot Size	0.81 acres (35,283 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,900,000 (Feb 2026)
Tax Bill	$26,486 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`248-010-011`

Property Details

APN / Parcel Number

Primary APN	`248-010-011`
Alternative APN	`248-010-011-0`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	5,450 sqft Living Area
1st Floor Area	5,450 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2006
Lot Area	35,283 sqft (0.81 acres)
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3957 RANCHO RD
City	LAFAYETTE
State	CA
Zip	94549-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	EL NIDO RO POR LOTS 10 & 11
Legal Subdivision	EL NIDO RHO
Legal Lot Number	10,11
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2013
Census Tract	348000

Owner

Source: Contra Costa County records, as of September 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Feb 29, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST BRIDGE FUNDING INC
Feb 17, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jul 30, 2004 · Amount on Record
Deed Document Number	202615265
Prior Transfer Date	Jul 26, 2013
Prior Transfer Doc	0000192134
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000111187
Date	Apr 14, 2021
Instrument	2021-111187

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000111186
Date	Apr 14, 2021
Instrument	2021-111186

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000019203
Date	Feb 29, 2024
Instrument	2024-019203

Lender

Name	FIRST BRIDGE FUNDING INC
Type	Non-Lending Institution
Address	PETALUMA, CA 94954

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 17, 2026
Property Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821
Document Number	0000015265
Map Reference	MB 3 PG 66
Instrument Date	Feb 3, 2026
Instrument	2026- 015265
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	3957 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000015266
Date	Feb 17, 2026
Instrument	2026- 015266

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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		$2,292,559 (+2%) Land $1,137,430 Building $1,155,129
2025	$26,486.00 (+3.48%) Homeowner's exemption	$2,247,608 (+4.04%) Land $1,115,128 Building $1,132,480
2023	$25,595.00 (+1.55%) Homeowner's exemption	$2,160,332 Land $1,071,827 Building $1,088,505
2022	$25,205.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	5 in force
Nearby Flood Claims	4 (1980–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2010 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 174 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

May also be available: AT&T, Etheric Networks.

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