1224 Rivera St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1224 Rivera St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,909 sqft · built 1963
Lot Size	0.112 acres (4,895 sqft)
Owner	2 Trust Names on File
Last Sale	$1,451,000 (Apr 2024)
Tax Bill	$20,216 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`503-091-016-9`

Property Details

APN / Parcel Number

Primary APN	`503-091-016-9`
Alternative APN	`503-091-016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,909 sqft Living Area
1st Floor Area	1,909 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1983
Lot Area	4,895 sqft (0.112 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1224 RIVERA ST
City	EL CERRITO
State	CA
Zip	94530-2454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 3078 LOT 5
Legal Subdivision	PORTOLA PARK SUB 3078
Legal Tract	3078
Legal Lot Number	5
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	387000

Owner

1224 Rivera St is owner-occupied and held in a trust since April 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454
Occupancy	Owner Occupied
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
Dec 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
Apr 25, 2024	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 11, 2022	Intrafamily Transfer, Transfer
Sep 27, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on File
Deed Sale	Apr 25, 2024 · Amount on File
Prior Sale	Jul 12, 2016 · Amount on File
Deed Document Number	202438802
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	0000267261
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454

Mortgage

Document Number	0000140100
Date	Dec 16, 2025
Instrument	2025- 140100

Lender

Name	MECHANICS BANK
Type	Bank
Address	PO BOX 8070, WALNUT CREEK, CA 94596

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 25, 2024
Property Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454
Document Number	0000038802
Map Reference	MB 89 PG 40
Instrument Date	Apr 3, 2024
Instrument	2024-038802
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Community Property with Right of Survivorship
Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454

Mortgage

Document Number	0000038803
Date	Apr 25, 2024
Instrument	2024-038803

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 11, 2022
Property Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454
Document Number	0000044636
Map Reference	MB 89 PG 40
Instrument Date	Mar 7, 2022
Instrument	2022-044636
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 27, 2021
Property Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454
Document Number	0000267261
Map Reference	MB 89 PG 40
Instrument Date	Sep 27, 2021
Instrument	2021-267261
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 RIVERA ST, EL CERRITO, CA 94530-2454

Tax Assessment & Valuation

The 2025 property tax bill for 1224 Rivera St was $20,216.

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		$1,509,412 (+2%) Land $1,144,440 Building $364,972
2025	$20,216.00	$1,479,816 Land $1,122,000 Building $357,816
2023	$13,346.00 (+1.37%)	$950,416 Land $669,309 Building $281,107
2022	$13,165.00

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

Flood

FEMA maps place 1224 Rivera St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1224 Rivera St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 951 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 in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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