903 Oak St, Lafayette, CA 94549 Property Records

Contra Costa County property record for 903 Oak St, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,472 sqft · built 1941
Lot Size	0.276 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,225,000 (May 2019)
Tax Bill	$18,603 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`241-190-007-5`

Property Details

APN / Parcel Number

Primary APN	`241-190-007-5`
Alternative APN	`241-190-007`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,472 sqft Living Area
1st Floor Area	2,143 sqft
Basement Area	329 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	12,000 sqft (0.276 acres)
Garage Type	Attached
Garage Area	597 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	903 OAK ST
City	LAFAYETTE
State	CA
Zip	94549-4936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BICKERSTAFF TR POR LOTS 9 & 70 BLK 9
Legal Subdivision	BICKERSTAFF
Legal Block	9
Legal Lot Number	9,70
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 14, 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	903 OAK ST, LAFAYETTE, CA 94549-4936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 19, 2019	Deed of Trust, Mortgage QUICKEN LNS
May 7, 2019	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Deed Document Number	201965167
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 OAK ST, LAFAYETTE, CA 94549-4936

Mortgage

Document Number	0000074098
Date	Aug 3, 2023
Instrument	2023-074098

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	8.25%
Index	Prime Rate
Max Rate	17%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 OAK ST, LAFAYETTE, CA 94549-4936

Mortgage

Document Number	0000042258
Date	Feb 11, 2021
Instrument	2021-042258

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	92680

Agreement

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

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 OAK ST, LAFAYETTE, CA 94549-4936

Mortgage

Document Number	0000148983
Date	Oct 3, 2022
Instrument	2022-148983

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jul 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Document Number	0000182791
Instrument Date	Oct 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 OAK ST LAFAYETTE CA 945494936, LAFAYETTE, CA 94549-4936

Mortgage

Document Number	0000182791
Date	Oct 25, 2019
Instrument	182791

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 7, 2019
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Document Number	0000065167
Instrument Date	May 1, 2019
Instrument	2019-065167
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	903 OAK ST, LAFAYETTE, CA 94549-4936

Mortgage

Document Number	0000065168
Date	May 7, 2019
Instrument	2019-065168

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	903 OAK ST, LAFAYETTE, CA 94549-4936
Document Number	0000107276
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3529 BOYER CIR LAFAYETTE CA 945494901, LAFAYETTE, CA 94549-4901

Mortgage

Document Number	0000107276
Date	Jun 15, 2017
Instrument	107276

Lender

Name	BANK OF THE WEST
Type	Bank
Address	LAFAYETTE, CA 94549

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

Interest

Rate Type	Adjustable Rate

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		$1,699,835 (+12.09%) Land $1,024,044 Building $675,791
2025	$18,603.00 (+13.47%)	$1,516,506 (+15.46%) Land $1,003,965 Building $512,541
2023	$16,395.00 (+1.55%)	$1,313,445 Land $964,981 Building $348,464
2022	$16,144.00

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
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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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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