645 Sky Ranch Ct, Lafayette, CA 94549 Property Records

Contra Costa County property record for 645 Sky Ranch Ct, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,451 sqft · built 1978
Lot Size	0.485 acres (21,111 sqft)
Owner	Trust Name on File
Last Sale	$2,775,000 (Apr 2022)
Tax Bill	$34,105 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`240-161-009-8`

Property Details

APN / Parcel Number

Primary APN	`240-161-009-8`
Alternative APN	`240-161-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,451 sqft Living Area
Gross Area	3,980 sqft
1st Floor Area	2,418 sqft
Basement Area	1,033 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	21,111 sqft (0.485 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 SKY RANCH CT
City	LAFAYETTE
State	CA
Zip	94549-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 4452 LOT 14
Legal Subdivision	SUBDIVISION 4452
Legal Tract	4452
Legal Lot Number	14
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3001
Census Tract	351200

Owner

645 Sky Ranch Ct is held in a trust since April 2022.

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

Owner of Record	Trust Name on File
Mailing Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2018	Deed of Trust, Mortgage CITY NATIONAL BANK
Apr 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 18, 2022	Grant Deed, Transfer LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2022 · Amount on File
Deed Sale	Apr 18, 2022 · Amount on File
Prior Sale	Apr 19, 2013 · Amount on File
Deed Document Number	202266847
Prior Transfer Date	Mar 14, 2016
Prior Transfer Doc	0000049244
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008283
Date	Jan 19, 2018
Instrument	2018-008283

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	EL SEGUNDO, CA 90245

Agreement

Amount	Amount on Record

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 18, 2022
Property Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Document Number	0000066848
Map Reference	MB 166 PG 20
Instrument Date	Apr 14, 2022
Instrument	2022-066848
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS 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
Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	0000066849
Date	Apr 18, 2022
Instrument	2022-066849

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 18, 2022
Property Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Document Number	0000066847
Map Reference	MB 166 PG 20
Instrument Date	Apr 7, 2022
Instrument	2022-066847
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS 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
Address	645 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Tax Assessment & Valuation

The 2025 property tax bill for 645 Sky Ranch Ct was $34,105.

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		$3,003,748 (+2%) Land $1,921,316 Building $1,082,432
2025	$34,105.00	$2,944,852 Land $1,883,644 Building $1,061,208
2023	$32,969.00 (+114.67%)	$2,830,500 Land $1,810,500 Building $1,020,000
2022	$15,358.00

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

Flood

FEMA maps place 645 Sky Ranch Ct in Zone X, an area of minimal flood risk, though there have been 5 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
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 645 Sky Ranch Ct is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.3% 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 44 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: Etheric Networks, Verizon.

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