55 Lucas Ranch Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 55 Lucas Ranch Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,329 sqft · built 2021
Lot Size	6.31 acres (275,299 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Sep 2019)
Tax Bill	$44,246 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`238-210-005-1`

Property Details

APN / Parcel Number

Primary APN	`238-210-005-1`
Alternative APN	`238-210-005`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,329 sqft Living Area
1st Floor Area	3,659 sqft
2nd Floor Area	670 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	275,299 sqft
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	55 LUCAS RANCH RD
City	LAFAYETTE
State	CA
Zip	94549-5562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T6569 L5
Legal Subdivision	SUBDIVISION 6569
Legal Tract	6569
Legal Lot Number	5
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2022
Census Tract	341000

Owner

55 Lucas Ranch Rd is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Sep 20, 2019	Grant Deed, Construction Loan · Construction Mortgage FIRST REPUBLIC BANK
Jun 20, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE
Mar 27, 2018	Loan Modification, Mortgage AVIDBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Prior Sale	Jun 20, 2019 · Amount on File
Deed Document Number	2019156768
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562

Mortgage

Document Number	0000007105
Date	Jan 26, 2023
Instrument	2023-007105

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562

Mortgage

Document Number	0000075106
Date	Apr 29, 2022
Instrument	2022-075106

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.9%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

September 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 20, 2019
Property Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Document Number	0000156768
Map Reference	MB 518 PG 1-7
Instrument Date	Sep 18, 2019
Instrument	2019-156768
Transaction Type	Construction Loan
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	Community Property with Right of Survivorship
Address	1548 RANCHO DEL HAMBRE, LAFAYETTE, CA 94549-2316

Mortgage

Document Number	0000156769
Date	Sep 20, 2019
Instrument	2019-156769

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Min Rate At Change	3.25%
Index	1-Year CMT
Max Rate	10.9%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 20, 2019
Property Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Document Number	0000093522
Instrument Date	Jun 17, 2019
Instrument	93522
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,320.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 477 LAFAYETTE CA 945490477, LAFAYETTE, CA 94549-0477

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 27, 2018
Property Address	55 LUCAS RANCH RD, LAFAYETTE, CA 94549-5562
Instrument Date	Mar 21, 2018
Instrument	46354
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	OLD REPUBLIC TITLE SF

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	845 OAK GROVE AVE #105 MENLO PARK CA 940254445, 105, MENLO PARK, CA 94025-4445

Mortgage

Document Number	0000046354
Date	Mar 27, 2018
Instrument	46354

Lender

Name	AVIDBANK
Type	Bank
Address	1732 N 1ST ST # 6TH, SAN JOSE, CA 95112-4541

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 55 Lucas Ranch Rd was $44,246.

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		$3,954,476 (+2%) Land $1,561,724 Building $2,392,752
2025	$44,246.00	$3,876,938 Land $1,531,102 Building $2,345,836
2023	$41,549.00 (+1.53%)	$3,613,649 Land $1,471,649 Building $2,142,000
2022	$40,921.00

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

Flood

FEMA maps place 55 Lucas Ranch Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1982–2005)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Storms & Flooding, Feb 1986 · 2 claims

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 55 Lucas Ranch Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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