1815 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1815 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 862 sqft · built 1951
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Sep 2020)
Tax Bill	$11,431 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`502-030-014`

Property Details

APN / Parcel Number

Primary APN	`502-030-014`
Alternative APN	`502-030-014-0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	862 sqft Living Area
1st Floor Area	862 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1961
Lot Area	3,125 sqft (0.072 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1815 ELM ST
City	EL CERRITO
State	CA
Zip	94530-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICH JUNCTION HTS 4 28
Legal Subdivision	RICHMOND JUNCTION HEIGHTS
Legal Block	28
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2007
Census Tract	385200

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	1815 ELM ST, EL CERRITO, CA 94530-1924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 11, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2020 · Amount on Record
Deed Sale	Sep 11, 2020 · Amount on Record
Prior Sale	Nov 30, 2010 · Amount on Record
Deed Document Number	2020202195
Prior Transfer Date	Dec 26, 2002
Prior Transfer Doc	0000002259
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1815 ELM ST, EL CERRITO, CA 94530-1924
Transaction Type	Mortgage
Record Updated	Dec 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 ELM ST, EL CERRITO, CA 94530-1924

Mortgage

Document Number	0000184989
Date	Dec 16, 2022
Instrument	2022-184989

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 11, 2020
Property Address	1815 ELM ST, EL CERRITO, CA 94530-1924
Document Number	0000202195
Map Reference	VOL 10 PG 230
Instrument Date	Aug 19, 2020
Instrument	2020-202195
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1815 ELM ST, EL CERRITO, CA 94530-1924

Mortgage

Document Number	0000202196
Date	Sep 11, 2020
Instrument	2020-202196

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$817,739 (+2%) Land $607,243 Building $210,496
2025	$11,431.00 (+4.94%)	$801,706 (+4.84%) Land $595,337 Building $206,369
2023	$10,893.00 (+1.46%)	$764,694 Land $572,220 Building $192,474
2022	$10,736.00

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

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 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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