1614 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1614 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,151 sqft · built 1941
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (May 2016)
Tax Bill	$12,710 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`502-212-005-8`

Property Details

APN / Parcel Number

Primary APN	`502-212-005-8`
Alternative APN	`502-212-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,151 sqft Living Area
1st Floor Area	1,151 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1955
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	236 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1614 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH BERKELEY TERR LOTS 24 & 25 BLK 28
Legal Subdivision	NORTH BERKELEY TERRACE
Legal Block	28
Legal Lot Number	24,25
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3005
Census Tract	386000

Owner

1614 Elm St is owned and occupied by two individuals who bought it in May 2016.

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	1614 ELM ST, EL CERRITO, CA 94530-2233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROVIDENT CU
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRISTAR FINANCE INC
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRISTAR FIN
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRISTAR FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2016 · Amount on File
Deed Sale	May 12, 2016 · Amount on File
Prior Sale	Jun 1, 2011 · Amount on File
Deed Document Number	201689857
Prior Transfer Date	Nov 10, 2003
Prior Transfer Doc	0000577637
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1614 ELM ST, EL CERRITO, CA 94530-2233
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 ELM ST, EL CERRITO, CA 94530-2233

Mortgage

Document Number	0000131347
Date	Dec 12, 2023
Instrument	2023-131347

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1614 ELM ST, EL CERRITO, CA 94530-2233
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 ELM ST, EL CERRITO, CA 94530-2233

Mortgage

Document Number	0000123768
Date	Apr 23, 2021
Instrument	2021-123768

Lender

Name	TRISTAR FINANCE INC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1614 ELM ST, EL CERRITO, CA 94530-2233
Document Number	0000160212
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	CHICAGO TITLE-INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1614 ELM ST EL CERRITO CA 945302233, EL CERRITO, CA 94530-2233

Mortgage

Document Number	0000160212
Date	Aug 3, 2020
Instrument	160212

Lender

Name	TRISTAR FIN
Type	Funding / Finance Company
Address	KIRKLAND, WA 98033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1614 ELM ST, EL CERRITO, CA 94530-2233
Document Number	0000178449
Instrument Date	Oct 14, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	CHICAGO TITLE-INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1614 ELM ST EL CERRITO CA 945302233, EL CERRITO, CA 94530-2233

Mortgage

Document Number	0000178449
Date	Oct 18, 2019
Instrument	178449

Lender

Name	TRISTAR FIN
Type	Funding / Finance Company
Address	KIRKLAND, WA 98033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1614 Elm St was $12,710.

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		$917,671 (+2%) Land $724,479 Building $193,192
2025	$12,710.00	$899,678 Land $710,274 Building $189,404
2023	$12,194.00 (+1.41%)	$864,745 Land $682,695 Building $182,050
2022	$12,025.00

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

Flood

FEMA maps place 1614 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 1614 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 689 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 · Fixed Wireless, 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
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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