649 Sky Ranch Ct, Lafayette, CA 94549 Property Records

Contra Costa County property record for 649 Sky Ranch Ct, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,896 sqft · built 1978
Lot Size	0.705 acres (30,709 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,820,000 (Jun 2019)
Tax Bill	$24,538 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`240-161-014-8`

Property Details

APN / Parcel Number

Primary APN	`240-161-014-8`
Alternative APN	`240-161-014`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,896 sqft Living Area
1st Floor Area	2,896 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Lot Area	30,709 sqft (0.705 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	649 SKY RANCH CT
City	LAFAYETTE
State	CA
Zip	94549-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 4452 POR LOTS 15 & 16
Legal Subdivision	SUBDIVISION 4452
Legal Tract	4452
Legal Lot Number	15,16
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3001
Census Tract	351200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 18, 2017	Deed of Trust, Mortgage · ARM PNC MORTGAGE LLC
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Jun 3, 2019	Grant Deed, Transfer PROVIDENT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Aug 13, 2013 · Amount on Record
Deed Document Number	201981622
Prior Transfer Date	Jul 28, 2008
Prior Transfer Doc	0000182240
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Jun 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	0000057416
Date	Jun 16, 2023
Instrument	2023-057416

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038579
Date	Mar 3, 2017
Instrument	2017-038579

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	Feb 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236354
Date	Dec 18, 2017
Instrument	2017-236354

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	0000165131
Date	Jun 7, 2021
Instrument	2021-165131

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	0000300728
Date	Oct 27, 2021
Instrument	2021-300728

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	0000301899
Date	Oct 28, 2021
Instrument	2021-301899

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

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

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 3, 2019
Property Address	649 SKY RANCH CT, LAFAYETTE, CA 94549-5221
Document Number	0000081622
Instrument Date	May 22, 2019
Instrument	81622
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 SKY RANCH CT LAFAYETTE CA 945495221, LAFAYETTE, CA 94549-5221

Mortgage

Document Number	81623
Date	Jun 3, 2019
Instrument	81623

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	303 TWIN DOLPHIN DR, REDWOOD CITY, CA 94065-1497

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

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		$2,070,844 (+2%) Land $1,416,595 Building $654,249
2025	$24,538.00 (+3.41%)	$2,030,240 (+4.04%) Land $1,388,819 Building $641,421
2023	$23,728.00 (+0.17%)	$1,951,406 Land $1,334,891 Building $616,515
2022	$23,688.00

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
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.

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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