1435 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1435 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,279 sqft · built 1942
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Last Sale	$391,000 (Feb 2002)
Tax Bill	$8,493 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`502-380-003-9`

Property Details

APN / Parcel Number

Primary APN	`502-380-003-9`
Alternative APN	`502-380-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,279 sqft Living Area
1st Floor Area	1,279 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Bungalow
Exterior Material	Wood Siding
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	Detached
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1435 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 6&7 35
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	35
Legal Lot Number	6,7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1006
Census Tract	387000

Owner

1435 Elm St is owner-occupied and held in a trust since June 2006.

Source: Contra Costa County records, as of August 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1435 ELM ST, EL CERRITO, CA 94530-2201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 3, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 14, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2002 · Amount on File
Deed Sale	Feb 15, 2002 · Amount on File
Deed Document Number	200253560
Last Transfer Date	Jun 15, 2006
Transfer Doc	0000194322
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 3, 2026
Property Address	1435 ELM ST, EL CERRITO, CA 94530-2201
Document Number	0000080885
Instrument Date	Jul 30, 2026
Instrument	202680885
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1435 ELM ST, EL CERRITO, CA 94530-2201

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1435 ELM ST, EL CERRITO, CA 94530-2201
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091763
Date	May 14, 2020
Instrument	2020-091763

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1435 ELM ST, EL CERRITO, CA 94530-2201
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 ELM ST, EL CERRITO, CA 94530-2201

Mortgage

Document Number	0000104275
Date	Apr 7, 2021
Instrument	2021-104275

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1435 Elm St was $8,493 with a homeowner's exemption.

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		$589,153 (+2%) Land $420,399 Building $168,754
2025	$8,493.00 Homeowner's exemption	$577,602 Land $412,156 Building $165,446
2023	$8,151.00 (+1.62%) Homeowner's exemption	$555,174 Land $396,152 Building $159,022
2022	$8,021.00

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

Flood

FEMA maps place 1435 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 1435 Elm St is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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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