Contra Costa County property record for 490 Florence Dr, Lafayette, CA 94549
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,651 sqft · built 1951 |
| Lot Size | 0.23 acres (10,010 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,066 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Feb 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 237-144-004-7 |
| Primary APN | 237-144-004-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,651 sqft Living Area |
| 1st Floor Area | 1,651 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Lot Area | 10,010 sqft (0.23 acres) |
| Lot Dimensions | 130 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 490 FLORENCE DR |
|---|---|
| City | LAFAYETTE |
| State | CA |
| Zip | 94549-5412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAFAYETTE VALLEY ESTATES LOT 11 |
| Legal Subdivision | LAFAYETTE VALLEY ESTATES |
| Legal Lot Number | 11 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 351200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 3, 2018 | Deed of Trust, Mortgage · ARM HOMEXPRESS MORTGAGE CORP |
| Feb 13, 2019 | Deed of Trust, Mortgage · ARM HOMETOWN EQUITY MORTGAGE |
| Jan 12, 2022 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE CO |
| Jan 12, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage CASTLE MORTGAGE CORP |
| Mar 2, 2021 | Intrafamily Transfer, Transfer |
| Feb 15, 2020 | Deed of Trust, Mortgage EXCELERATE CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2022 |
| Deed Sale | Jan 12, 2022 |
| Deed Document Number | 20226849 |
| Prior Transfer Date | Jan 4, 2022 |
| Prior Transfer Doc | 0000006851 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE COMP |
| Name | Verified Name |
|---|
| Document Number | 0000124039 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 2018-124039 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Non-Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 1, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Aug 1, 2023 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.62% |
| Max Rate At Change | 10.6% |
| Index | 6-Month LIBOR |
| Max Rate | 13.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000019492 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 2019-019492 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PETERS, MO 63376 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 11.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Jan 12, 2022 |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000006851 |
| Map Reference | MB 43 PG 4 |
| Instrument Date | Jan 4, 2022 |
| Instrument | 2022-006851 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Jan 12, 2022 |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000006849 |
| Map Reference | MB 43 PG 4 |
| Instrument Date | Jan 4, 2022 |
| Instrument | 2022-006849 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000006850 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022-006850 |
| Name | CASTLE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 2, 2021 |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000063275 |
| Map Reference | MB 43 PG 4 |
| Instrument Date | Dec 5, 2020 |
| Instrument | 2021-063275 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 490 FLORENCE DR, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000035759 |
| Instrument Date | Feb 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 490 FLORENCE DR LAFAYETTE CA 945495412, LAFAYETTE, CA 94549-5412 |
| Document Number | 0000035759 |
|---|---|
| Date | Feb 26, 2020 |
| Instrument | 35759 |
| Name | EXCELERATE CAP |
|---|---|
| Address | NEWPORT BEACH, CA 92660 |
| Amount | Amount Recorded |
|---|---|
| Term | 480 Months |
| Due | Feb 25, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.45% |
Source: Contra Costa County assessment roll, as of July 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $93,705 (+2%) Land $49,978 Building $43,727 | |
| 2025 | $3,066.00 (+4.5%) Homeowner's exemption | $91,869 (+4.04%) Land $48,999 Building $42,870 |
| 2023 | $2,934.00 (+1.73%) Homeowner's exemption | $88,304 Land $47,098 Building $41,206 |
| 2022 | $2,884.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 5 (1980–1995) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 45% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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