1305 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1305 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,511 sqft · built 1948
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,375,000 (Mar 2021)
Tax Bill	$20,308 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`502-430-012`

Property Details

APN / Parcel Number

Primary APN	`502-430-012`
Alternative APN	`502-430-012-0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,511 sqft Living Area
1st Floor Area	1,267 sqft
Basement Area	244 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1970
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1305 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH BERKELEY TERR LOTS 21 & 22 BLK 34
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	34
Legal Lot Number	21,22
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1007
Census Tract	387000

Owner

1305 Elm St is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1305 ELM ST, EL CERRITO, CA 94530-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 12, 2021	Affidavit of Death of Joint Tenant, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 12, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2021 · Amount on File
Deed Sale	Mar 12, 2021 · Amount on File
Prior Sale	Apr 29, 2008 · Amount on File
Deed Document Number	202175424
Prior Transfer Date	Aug 18, 2015
Prior Transfer Doc	0000182258
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1305 ELM ST, EL CERRITO, CA 94530-2421
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138315
Date	Jul 13, 2020
Instrument	2020-138315

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

March 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 12, 2021
Property Address	1305 ELM ST, EL CERRITO, CA 94530-2421
Document Number	0000075423
Map Reference	MB 1 PG 26
Instrument Date	Mar 9, 2021
Instrument	2021-075423
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1058 PERALTA AVE, ALBANY, CA 94706-2402

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 12, 2021
Property Address	1305 ELM ST, EL CERRITO, CA 94530-2421
Document Number	0000075424
Map Reference	MB 1 PG 26
Instrument Date	Mar 8, 2021
Instrument	2021-075424
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	Joint Tenants
Address	1305 ELM ST, EL CERRITO, CA 94530-2421

Mortgage

Document Number	0000075425
Date	Mar 12, 2021
Instrument	2021-075425

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1305 Elm St was $20,308.

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		$1,518,110 (+2%) Land $1,104,080 Building $414,030
2025	$20,308.00	$1,488,344 Land $1,082,432 Building $405,912
2023	$19,475.00 (+1.27%)	$1,430,550 Land $1,040,400 Building $390,150
2022	$19,231.00

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

Flood

FEMA maps place 1305 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 1305 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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