3966 Rancho Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 3966 Rancho Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,781 sqft · built 1954
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on File
Last Sale	$1,570,000 (Jun 2024)
Tax Bill	$19,549 (2025)
Deeds & Mortgages	Sep 2019 Reverse Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`248-010-015-1`

Property Details

APN / Parcel Number

Primary APN	`248-010-015-1`
Alternative APN	`248-010-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,781 sqft Living Area
1st Floor Area	1,781 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3966 RANCHO RD
City	LAFAYETTE
State	CA
Zip	94549-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	EL NIDO RO POR LOTS 8 & 10
Legal Subdivision	EL NIDO RHO
Legal Lot Number	8,10
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2013
Census Tract	348000

Owner

3966 Rancho Rd is owned by two individuals who acquired it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3120 CAFETO DR, WALNUT CREEK, CA 94598-3813
Owner Type	Individual
Vesting	Sole Owner

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
Sep 19, 2019	Deed of Trust, Mortgage · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC
Sep 12, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2024 · Amount on File
Deed Sale	Jun 14, 2024 · Amount on File
Deed Document Number	202456507
Last Transfer Date	Feb 5, 2025
Transfer Doc	0000012920
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3966 RANCHO RD, LAFAYETTE, CA 94549-2822
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155645
Date	Sep 19, 2019
Instrument	2019-155645

Lender

Name	LIBERTY HOME EQUITY SOLUTIONS INC
Type	Reverse Mortgage Lender
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	705 Months
Due	Jun 21, 2078

Interest

Rate Type	Adjustable Rate
Rate	3.57%
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3966 RANCHO RD, LAFAYETTE, CA 94549-2822
Document Number	0000155646
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE MCLPC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3966 RANCHO RD LAFAYETTE CA 945492822, LAFAYETTE, CA 94549-2822

Mortgage

Document Number	0000155646
Date	Sep 19, 2019
Instrument	155646

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	708 Months
Due	Sep 18, 2078

Interest

Rate Type	Adjustable Rate
Rate	3.57%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 24, 2018
Property Address	3966 RANCHO RD, LAFAYETTE, CA 94549-2822
Document Number	0000136454
Instrument Date	Jul 23, 2018
Instrument	136454
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3966 RANCHO RD LAFAYETTE CA 945492822, LAFAYETTE, CA 94549-2822

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 1, 2018
Property Address	3966 RANCHO RD, LAFAYETTE, CA 94549-2822
Document Number	0000067680
Instrument Date	Apr 26, 2018
Instrument	67680
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 RANCHO RD LAFAYETTE CA 945492822, LAFAYETTE, CA 94549-2822

Tax Assessment & Valuation

The 2025 property tax bill for 3966 Rancho Rd was $19,549.

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		$1,723,428 (+7.62%) Land $1,456,560 Building $266,868
2025	$19,549.00	$1,601,400 Land $1,428,000 Building $173,400
2023	$13,855.00 (+1.5%) Homeowner's exemption	$1,203,008 Land $1,093,645 Building $109,363
2022	$13,650.00

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

Flood

FEMA maps place 3966 Rancho Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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

Wildfire risk around 3966 Rancho Rd 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 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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