1607 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1607 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 992 sqft · built 1944
Lot Size	0.085 acres (3,700 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Dec 2025)
Tax Bill	$1,801 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`502-211-010-9`

Property Details

APN / Parcel Number

Primary APN	`502-211-010-9`
Alternative APN	`502-211-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1950
Lot Area	3,700 sqft (0.085 acres)

Location & Zoning

Street Address	1607 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	NORTH BERKELEY TERR LOT 13 POR 12 BLK 37
Legal Subdivision	NORTH BERKELEY TERR
Legal Block	37
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3006
Census Tract	386000

Owner

1607 Elm St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1607 ELM ST, EL CERRITO, CA 94530-2232
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
Dec 12, 2025	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 21, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Deed Document Number	2025138942
Prior Transfer Date	Mar 31, 1994
Prior Transfer Doc	0000097401
Record Updated	Oct 29, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 12, 2025
Property Address	1607 ELM ST, EL CERRITO, CA 94530-2232
Document Number	0000138942
Map Reference	VOL 1 PG 26
Instrument Date	Dec 9, 2025
Instrument	2025- 138942
Transaction Type	Transfer
Record Updated	Dec 25, 2025
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	1607 ELM ST, EL CERRITO, CA 94530-2232

Mortgage

Document Number	0000138943
Date	Dec 12, 2025
Instrument	2025- 138943

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 21, 2025
Property Address	1607 ELM ST, EL CERRITO, CA 94530-2232
Document Number	0000131282
Map Reference	MB 1 PG 26
Instrument Date	Sep 16, 2025
Instrument	2025- 131282
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 101, GRENADA, CA 96038-0101

Tax Assessment & Valuation

The 2025 property tax bill for 1607 Elm St was $1,801.

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		$690,000 (+1,249.66%) Land $510,000 Building $180,000
2025	$1,801.00	$51,124 Land $25,562 Building $25,562
2023	$1,742.00 (+3.75%)	$49,140 Land $24,570 Building $24,570
2022	$1,679.00

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

FEMA maps place 1607 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 1607 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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