1240 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1240 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1915
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Company Names on Record
Last Sale	$500,000 (Sep 2004)
Tax Bill	$11,126 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503-050-024-2`

Property Details

APN / Parcel Number

Primary APN	`503-050-024-2`
Alternative APN	`503-050-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,706 sqft Living Area
1st Floor Area	1,706 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1960
Lot Area	9,500 sqft (0.218 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1240 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	N BERK TER LTS 46&47 POR 48,49&50 BLK 32
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	32
Legal Lot Number	46,47
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3000
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 Company Names on Record
Mailing Address	1240 ELM ST, EL CERRITO, CA 94530-2420
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2004 · Amount on Record
Deed Sale	Sep 20, 2004 · Amount on Record
Prior Sale	Jan 12, 1995 · Amount on Record
Deed Document Number	2004361214
Last Transfer Date	Feb 16, 2010
Transfer Doc	0000034967
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1240 ELM ST, EL CERRITO, CA 94530-2420
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054181
Date	Mar 29, 2017
Instrument	2017-054181

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2047

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1240 ELM ST, EL CERRITO, CA 94530-2420
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 ELM ST, EL CERRITO, CA 94530-2420

Mortgage

Document Number	0000043962
Date	Mar 11, 2022
Instrument	2022-043962

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1240 ELM ST, EL CERRITO, CA 94530-2420
Document Number	0000244761
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018
Title Company	TITLE 365 CORAOPOLIS PA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1240 ELM ST EL CERRITO CA 945302420, EL CERRITO, CA 94530-2420

Mortgage

Document Number	0000244761
Date	Dec 29, 2017
Instrument	244761

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

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		$787,749 (+2%) Land $483,400 Building $304,349
2025	$11,126.00 (+4.32%) Homeowner's exemption	$772,304 (+4.04%) Land $473,922 Building $298,382
2023	$10,665.00 (+1.52%) Homeowner's exemption	$742,317 Land $455,520 Building $286,797
2022	$10,505.00

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 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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