1409 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1409 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,636 sqft · built 1941
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jun 2024)
Tax Bill	$17,577 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`502-380-010-4`

Property Details

APN / Parcel Number

Primary APN	`502-380-010-4`
Alternative APN	`502-380-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1963
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	265 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1409 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH BERKELEY TERR LOTS 19 & 20 BLK 35
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	35
Legal Lot Number	19,20
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1006
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	1409 ELM ST, EL CERRITO, CA 94530-2201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CHANGE LENDING LLC
Feb 22, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on Record
Deed Sale	Jun 10, 2024 · Amount on Record
Deed Document Number	202454421
Prior Transfer Date	Dec 6, 1993
Prior Transfer Doc	0000373299
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 22, 2022
Property Address	1409 ELM ST, EL CERRITO, CA 94530-2201
Document Number	0000032602
Map Reference	VOL 1 PG 26
Instrument Date	Feb 15, 2022
Instrument	2022-032602
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 JENNIFER WAY, PLEASANT HILL, CA 94523-2255

Mortgage

Document Number	0000032604
Date	Feb 22, 2022
Instrument	2022-032604

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2027
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	9%
Index	Other
Max Rate	9%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 22, 2022
Property Address	1409 ELM ST, EL CERRITO, CA 94530-2201
Document Number	0000032605
Map Reference	VOL 1 PG 26
Instrument Date	Feb 15, 2022
Instrument	2022-032605
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 JENNIFER WAY, PLEASANT HILL, CA 94523-2255
Investor	Possibly a Property Investor

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		$1,300,500 (+2%) Land $1,040,400 Building $260,100
2025	$17,577.00 (+836.94%)	$1,275,000 (+1,689.5%) Land $1,020,000 Building $255,000
2023	$1,876.00 (+3.7%) Homeowner's exemption	$71,249 Land $27,160 Building $44,089
2022	$1,809.00

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 94% 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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