1221 King Dr, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1221 King Dr, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	7 bd · 5.5 ba · 3,886 sqft · built 1942
Lot Size	0.385 acres (16,790 sqft)
Owner	Trust Name on File
Last Sale	$3,025,000 (Aug 2023)
Tax Bill	$41,706 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505-202-015-2`

Property Details

APN / Parcel Number

Primary APN	`505-202-015-2`
Alternative APN	`505-202-015`

Interior

Bedrooms	7 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,886 sqft Living Area
1st Floor Area	3,173 sqft
Basement Area	270 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2000
Lot Area	16,790 sqft (0.385 acres)
Garage Type	Attached
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1221 KING DR
City	EL CERRITO
State	CA
Zip	94530-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ARLINGTON ESTATES LOT 155 & POR 154 & 156
Legal Subdivision	ARLINGTON ESTATES
Legal Lot Number	155
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1016
Census Tract	385100

Owner

1221 King Dr is held in a trust since August 2023.

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

Owner of Record	Trust Name on File
Mailing Address	1221 KING DR, EL CERRITO, CA 94530-2549
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
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Mar 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA
Aug 7, 2023	Grant Deed, Transfer · Conventional Mortgage TRUSTED RATE INC
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on File
Deed Sale	Aug 7, 2023 · Amount on File
Prior Sale	Jan 29, 2016 · Amount on File
Deed Document Number	202375030
Prior Transfer Date	Jan 27, 2016
Prior Transfer Doc	0000016748
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 6, 2026
Property Address	1221 KING DR, EL CERRITO, CA 94530-2549
Document Number	0000033765
Instrument Date	Mar 30, 2026
Instrument	202633765
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1221 KING DR, EL CERRITO, CA 94530-2549

Mortgage

Document Number	0000033765,
Date	Apr 6, 2026
Instrument	202633765

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2056

Interest

Rate	5.98%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1221 KING DR, EL CERRITO, CA 94530-2549
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 KING DR, EL CERRITO, CA 94530-2549

Mortgage

Document Number	0000022818
Date	Mar 12, 2024
Instrument	2024-022818

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Max Rate	11.3%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 7, 2023
Property Address	1221 KING DR, EL CERRITO, CA 94530-2549
Document Number	0000075030
Map Reference	MB 20 PG 524
Instrument Date	Jul 7, 2023
Instrument	2023-075030
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Living Trust
Address	1221 KING DR, EL CERRITO, CA 94530-2549

Mortgage

Document Number	0000075031
Date	Aug 7, 2023
Instrument	2023-075031

Lender

Name	TRUSTED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1221 KING DR, EL CERRITO, CA 94530-2549
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 KING DR, EL CERRITO, CA 94530-2549

Mortgage

Document Number	0000134522
Date	Sep 1, 2022
Instrument	2022-134522

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1221 King Dr was $41,706.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	El Cerrito City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,147,210 (+2%) Land $1,872,720 Building $1,274,490
2025	$41,706.00	$3,085,500 Land $1,836,000 Building $1,249,500
2023	$17,300.00 (+7.94%)	$1,196,850 Land $625,804 Building $571,046
2022	$16,027.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1221 King Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 1221 King Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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