3977 Rancho Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 3977 Rancho Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,712 sqft · built 1954
Lot Size	0.821 acres (35,762 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,050,000 (May 2014)
Tax Bill	$30,560 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`248-010-017-7`

Property Details

APN / Parcel Number

Primary APN	`248-010-017-7`
Alternative APN	`248-010-017`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,712 sqft Living Area
1st Floor Area	3,712 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2005
Lot Area	35,762 sqft (0.821 acres)
Garage Type	Attached
Garage Area	603 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3977 RANCHO RD
City	LAFAYETTE
State	CA
Zip	94549-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EL NIDO RO POR LOTS 8 & 9
Legal Subdivision	EL NIDO RHO
Legal Lot Number	8,9
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 July 14, 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	3977 RANCHO RD, LAFAYETTE, CA 94549-2821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Aug 22, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 26, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2014 · Amount on Record
Deed Sale	May 6, 2014 · Amount on Record
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	201471269
Last Transfer Date	May 17, 2017
Transfer Doc	0000094110
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3977 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153203
Date	Sep 17, 2019
Instrument	2019-153203

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3977 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE RES INFO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134263
Date	Aug 22, 2018
Instrument	2018-134263

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

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	3977 RANCHO RD, LAFAYETTE, CA 94549-2821
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3977 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000117204
Date	Apr 20, 2021
Instrument	2021-117204

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 26, 2017
Property Address	3977 RANCHO RD, LAFAYETTE, CA 94549-2821
Document Number	0000094110
Map Reference	MAP3 PG66
Instrument Date	May 17, 2017
Instrument	2017-094110
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3977 RANCHO RD, LAFAYETTE, CA 94549-2821

Mortgage

Document Number	0000094111
Date	May 26, 2017
Instrument	2017-094111

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$2,668,266 (+2%) Land $1,312,896 Building $1,355,370
2025	$30,560.00 (+3.45%)	$2,615,948 (+4.04%) Land $1,287,153 Building $1,328,795
2023	$29,540.00 (+2.39%)	$2,514,370 Land $1,237,172 Building $1,277,198
2022	$28,850.00

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

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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