1234 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1234 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1953
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (May 2022)
Tax Bill	$17,267 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503-050-022-6`

Property Details

APN / Parcel Number

Primary APN	`503-050-022-6`
Alternative APN	`503-050-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
Gross Area	1,750 sqft
1st Floor Area	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1234 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH BERKELEY TERR LOTS 42 & 43 BLK 32
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	32
Legal Lot Number	42,43
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3000
Census Tract	387000

Owner

1234 Elm St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1234 ELM ST, EL CERRITO, CA 94530-2420
Occupancy	Owner Occupied
Owner Type	Individual

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 10, 2021	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
May 27, 2022	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
May 15, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	May 15, 2020 · Amount on File
Deed Document Number	202290192
Prior Transfer Date	Aug 25, 2006
Prior Transfer Doc	0000281085
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1234 ELM ST, EL CERRITO, CA 94530-2420
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1234 ELM ST, EL CERRITO, CA 94530-2420

Mortgage

Document Number	0000335677
Date	Dec 10, 2021
Instrument	2021-335677

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 27, 2022
Property Address	1234 ELM ST, EL CERRITO, CA 94530-2420
Document Number	0000090192
Map Reference	VOL 1 PG 26
Instrument Date	May 22, 2022
Instrument	2022-090192
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY MONTCLAI, OLD REPUBLIC TTL CO MONTCLAI

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
Address	1234 ELM ST, EL CERRITO, CA 94530-2420

Mortgage

Document Number	0000090193
Date	May 27, 2022
Instrument	2022-090193

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 15, 2020
Property Address	1234 ELM ST, EL CERRITO, CA 94530-2420
Document Number	0000092845
Map Reference	MB 1 PG 26
Instrument Date	May 5, 2020
Instrument	2020-092845
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	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	1234 ELM ST, EL CERRITO, CA 94530-2420

Mortgage

Document Number	0000092846
Date	May 15, 2020
Instrument	2020-092846

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1234 Elm St was $17,267.

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		$1,110,000 (-11.41%) Land $740,000 Building $370,000
2025	$17,267.00	$1,253,000 Land $835,333 Building $417,667
2023	$17,529.00 (+25.96%)	$1,530,000 Land $1,020,000 Building $510,000
2022	$13,916.00

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

Flood

FEMA maps place 1234 Elm 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 1234 Elm St is low, with less than 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 93% of the US · lower than 96% of California
Wildfire Likelihood	Under 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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