137 Carmel Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 137 Carmel Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,111 sqft · built 1938
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Jul 2012)
Tax Bill	$12,003 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`504-261-007`

Property Details

APN / Parcel Number

Primary APN	`504-261-007`
Alternative APN	`504-261-007-0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,111 sqft Living Area
1st Floor Area	967 sqft
Basement Area	144 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1945
Lot Area	4,000 sqft (0.092 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	137 CARMEL AVE
City	EL CERRITO
State	CA
Zip	94530-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CERRITO PARK TRACT POR LOTS 10 & 11 BLK 11
Legal Subdivision	CERRITO PARK
Legal Block	11
Legal Lot Number	10,11
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1010
Census Tract	390200

Owner

137 Carmel Ave is owned and occupied by two individuals who bought it in July 2012.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 5, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2012 · Amount on File
Deed Sale	Jul 26, 2012 · Amount on File
Prior Sale	Aug 29, 1997 · Amount on File
Deed Document Number	2012177554
Prior Transfer Date	Jun 25, 2012
Prior Transfer Doc	0000159448
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114

Mortgage

Document Number	0000007891
Date	Jan 26, 2026
Instrument	2026- 007891

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	7940 JONES BRANCH DR, TYSONS, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 6, 2056

Interest

Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029488
Date	Mar 5, 2019
Instrument	2019-029488

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 20, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 CARMEL AVE, EL CERRITO, CA 94530-4114

Mortgage

Document Number	0000235669
Date	Oct 13, 2020
Instrument	2020-235669

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 137 Carmel Ave was $12,003.

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		$653,138 (+2%) Land $605,538 Building $47,600
2025	$12,003.00	$640,332 Land $593,665 Building $46,667
2023	$11,627.00 (+1.19%)	$615,468 Land $570,613 Building $44,855
2022	$11,490.00

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

Flood

FEMA maps place 137 Carmel Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 137 Carmel Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 816 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Sonic Telecom Fiber	1,000 / 1,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

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