1909 Ganges Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 1909 Ganges Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,193 sqft · built 1960
Lot Size	0.143 acres (6,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$799,000 (Jun 2007)
Tax Bill	$15,342 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`501-482-003-8`

Property Details

APN / Parcel Number

Primary APN	`501-482-003-8`
Alternative APN	`501-482-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,193 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	2,338 sqft
Basement Area	855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,237 sqft (0.143 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1909 GANGES AVE
City	EL CERRITO
State	CA
Zip	94530-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICH JUNCT HTS LOTS 21 & 22 POR 20 BLK 46
Legal Subdivision	RICHMOND JUNCTION HEIGHTS
Legal Block	46
Legal Lot Number	21,22
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1007
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	1909 GANGES AVE, EL CERRITO, CA 94530-1833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 22, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2007 · Amount on Record
Deed Sale	Jun 28, 2007 · Amount on Record
Deed Document Number	2007186911
Last Transfer Date	Apr 20, 2021
Transfer Doc	0000125617
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1909 GANGES AVE, EL CERRITO, CA 94530-1833
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 GANGES AVE, EL CERRITO, CA 94530-1833

Mortgage

Document Number	0000093932
Date	Sep 28, 2023
Instrument	2023-093932

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 27, 2021
Property Address	1909 GANGES AVE, EL CERRITO, CA 94530-1833
Document Number	0000125617
Map Reference	MB 10 PG 230
Instrument Date	Apr 20, 2021
Instrument	2021-125617
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
Relationship	Community Property with Right of Survivorship
Address	1909 GANGES AVE, EL CERRITO, CA 94530-1833

Mortgage

Document Number	0000125618
Date	Apr 27, 2021
Instrument	2021-125618

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CONTRA COSTA CA
Property Address	1909 GANGES AVE, EL CERRITO, CA 94530-1833
Document Number	0000133707
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 GANGES AVE EL CERRITO CA 945301833, EL CERRITO, CA 94530-1833

Mortgage

Document Number	0000133707
Date	Jul 26, 2017
Instrument	133707

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 25, 2037

Interest

Rate Type	Fixed Rate
Rate	7.75%

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		$1,106,917 (+2%) Land $852,059 Building $254,858
2025	$15,342.00 (+4.28%)	$1,085,213 (+4.04%) Land $835,352 Building $249,861
2023	$14,712.00 (+1.37%)	$1,043,074 Land $802,915 Building $240,159
2022	$14,513.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Sonic Telecom, T-Mobile.

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