851 Moraga Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 851 Moraga Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,638 sqft · built 1939
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$1,308,000 (Apr 2018)
Tax Bill	$18,221 (2025)
Deeds & Mortgages	Jul 2026 Transfer Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`241-220-015-2`

Property Details

APN / Parcel Number

Primary APN	`241-220-015-2`
Alternative APN	`241-220-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
1st Floor Area	1,638 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1950
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	851 MORAGA RD
City	LAFAYETTE
State	CA
Zip	94549-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POR RO ACALANES
Legal Subdivision	ACALANES RHO
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4008
Census Tract	350000

Owner

Source: Contra Costa County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	300 LIVORNA HEIGHTS RD, ALAMO, CA 94507-1327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 11, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 3, 2018	Grant Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on Record
Deed Sale	Apr 3, 2018 · Amount on Record
Prior Sale	Dec 7, 2006 · Amount on Record
Deed Document Number	201850584
Prior Transfer Date	Jul 14, 1994
Prior Transfer Doc	0000183759
Record Updated	Oct 29, 2026

July 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 15, 2026
Property Address	851 MORAGA RD, LAFAYETTE, CA 94549-5017
Document Number	0000074826
Instrument Date	Jul 9, 2026
Instrument	202674826
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 LIVORNA HEIGHTS RD, ALAMO, CA 94507-1327

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	851 MORAGA RD, LAFAYETTE, CA 94549-5017
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220572
Date	Dec 9, 2019
Instrument	2019-220572

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 11, 2018
Property Address	851 MORAGA RD, LAFAYETTE, CA 94549-5017
Document Number	0000074711
Instrument Date	Apr 20, 2018
Instrument	74711
Transaction Type	Transfer
Record Updated	May 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	851 MORAGA RD LAFAYETTE CA 945495017, LAFAYETTE, CA 94549-5017

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 3, 2018
Property Address	851 MORAGA RD, LAFAYETTE, CA 94549-5017
Document Number	0000050584
Instrument Date	Mar 27, 2018
Instrument	2018-050584
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	851 MORAGA RD, LAFAYETTE, CA 94549-5017

Mortgage

Document Number	0000050585
Date	Apr 3, 2018
Instrument	2018-050585

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2025
Min Rate At Change	2.65%
Max Rate At Change	9.95%
Index	1-Year LIBOR

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		$1,518,039 (+2%) Land $1,102,553 Building $415,486
2025	$18,221.00 (+3.55%) Homeowner's exemption	$1,488,275 (+4.04%) Land $1,080,935 Building $407,340
2023	$17,597.00 (+1.56%) Homeowner's exemption	$1,430,485 Land $1,038,962 Building $391,523
2022	$17,327.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1983–1998)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 459 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

May also be available: AT&T, T-Mobile.

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