1229 Scott St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1229 Scott St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,436 sqft · built 1950
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,175,000 (Oct 2023)
Tax Bill	$16,479 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`503-100-006-9`

Property Details

APN / Parcel Number

Primary APN	`503-100-006-9`
Alternative APN	`503-100-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,436 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Lot Area	4,800 sqft (0.11 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1229 SCOTT ST
City	EL CERRITO
State	CA
Zip	94530-2457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH BERK TERR POR LOT 3 BLK 4
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	4
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2001
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	1229 SCOTT ST, EL CERRITO, CA 94530-2457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Oct 31, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	2023117245
Prior Transfer Date	Jul 29, 1994
Prior Transfer Doc	0000200177
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1229 SCOTT ST, EL CERRITO, CA 94530-2457
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 SCOTT ST, EL CERRITO, CA 94530-2457

Mortgage

Document Number	0000140760
Date	Dec 17, 2025
Instrument	2025- 140760

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	7755 CENTER AVE STE 900, HUNTINGTON BEACH, CA 92647

Agreement

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

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 31, 2023
Property Address	1229 SCOTT ST, EL CERRITO, CA 94530-2457
Document Number	0000117245
Map Reference	VOL 1 PG 26
Instrument Date	Oct 26, 2023
Instrument	2023-117245
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	1229 SCOTT ST, EL CERRITO, CA 94530-2457

Mortgage

Document Number	0000117246
Date	Oct 31, 2023
Instrument	2023-117246

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	12.8%
Max Rate	12.8%

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		$1,222,470 (+2%) Land $998,784 Building $223,686
2025	$16,479.00 (+696.09%) Homeowner's exemption	$1,198,500 (+1,272.74%) Land $979,200 Building $219,300
2023	$2,070.00 (+3.45%) Homeowner's exemption	$87,307 Land $29,759 Building $57,548
2022	$2,001.00

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

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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