Contra Costa County property record for 643 Francis Dr, Lafayette, CA 94549
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,025 sqft · built 1967 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,148 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 164-312-013 |
| Primary APN | 164-312-013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,025 sqft Living Area |
| 1st Floor Area | 1,209 sqft |
| 2nd Floor Area | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 9,800 sqft (0.225 acres) |
| Garage Type | Attached |
| Garage Area | 495 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 643 FRANCIS DR |
|---|---|
| City | LAFAYETTE |
| State | CA |
| Zip | 94549-1711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | TRACT 3543 54 |
| Legal Subdivision | SUBDIVISION 3543 |
| Legal Tract | 3543 |
| Legal Lot Number | 54 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 321103 |
643 Francis Dr is owner-occupied and held in a trust since November 2006.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 643 FRANCIS DR, LAFAYETTE, CA 94549-1711 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 15, 2006 |
| Transfer Doc | 0000381083 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 643 FRANCIS DR, LAFAYETTE, CA 94549-1711 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | PLACER TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000145226 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 2019-145226 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 643 Francis Dr was $2,148 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Unified School District | Martinez Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $116,798 (+2%) Land $35,715 Building $81,083 | |
| 2025 | $2,148.00 Homeowner's exemption | $114,509 Land $35,015 Building $79,494 |
| 2023 | $2,012.00 (+1.51%) Homeowner's exemption | $110,064 Land $33,656 Building $76,408 |
| 2022 | $1,982.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 643 Francis Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 643 Francis Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 70% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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 548 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 |
| AT&T DSL | 100 / 20 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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