1228 Rivera St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1228 Rivera St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,909 sqft · built 1962
Lot Size	0.112 acres (4,895 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Mar 2022)
Tax Bill	$21,373 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`503-091-017-7`

Property Details

APN / Parcel Number

Primary APN	`503-091-017-7`
Alternative APN	`503-091-017`

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 1962
Effective Year Built	Effective 1970
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	1228 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 4
Legal Subdivision	PORTOLA PARK SUB 3078
Legal Tract	3078
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	387000

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	2 Individual Names on Record
Mailing Address	1228 RIVERA ST, EL CERRITO, CA 94530-2454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	202256283
Prior Transfer Date	Oct 31, 2014
Prior Transfer Doc	0000220677
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 31, 2022
Property Address	1228 RIVERA ST, EL CERRITO, CA 94530-2454
Document Number	0000056283
Map Reference	MB 89 PG 40
Instrument Date	Mar 14, 2022
Instrument	2022-056283
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER 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
Relationship	Community Property with Right of Survivorship
Address	1228 RIVERA ST, EL CERRITO, CA 94530-2454

Mortgage

Document Number	0000056284
Date	Mar 31, 2022
Instrument	2022-056284

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	Other
Max Rate	9%

Mortgage

Document Number	0000056285
Date	Mar 31, 2022
Instrument	2022-056285

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1228 RIVERA ST, EL CERRITO, CA 94530-2454
Document Number	0000162293
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1228 RIVERA ST EL CERRITO CA 945302454, EL CERRITO, CA 94530-2454

Mortgage

Document Number	0000162293
Date	Aug 5, 2020
Instrument	162293

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2035

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	El Cerrito City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,551,000 (-1.15%) Land $1,034,000 Building $517,000
2025	$21,373.00 (-5.03%)	$1,569,000 (-5.77%) Land $1,046,000 Building $523,000
2023	$22,504.00 (+109.38%)	$1,665,000 Land $1,200,000 Building $465,000
2022	$10,748.00

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

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

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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