Contra Costa County property record for 2020 Harper St, El Cerrito, CA 94530
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,288 sqft · built 1984 |
| Lot Size | 0.131 acres (5,684 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Nov 2012) |
| Tax Bill | $11,205 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 501-380-027 |
| Primary APN | 501-380-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,288 sqft Living Area |
| 1st Floor Area | 1,932 sqft |
| 2nd Floor Area | 1,356 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 5,684 sqft (0.131 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Central |
|---|
| Street Address | 2020 HARPER ST |
|---|---|
| City | EL CERRITO |
| State | CA |
| Zip | 94530-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | RICH JUNCTION HGTS LOTS 13 & 14 BLK 39 |
| Legal Subdivision | RICHMOND JUNCTION HEIGHTS |
| Legal Block | 39 |
| Legal Lot Number | 13,14 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 384000 |
2020 Harper St is owned and occupied by two individuals who bought it in November 2012.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2020 HARPER ST, EL CERRITO, CA 94530-1723 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2012 · Amount on File |
| Deed Sale | Nov 2, 2012 · Amount on File |
| Prior Sale | Sep 5, 2003 · Amount on File |
| Deed Document Number | 2012278772 |
| Prior Transfer Date | Sep 19, 1997 |
| Prior Transfer Doc | 0000176830 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2020 HARPER ST, EL CERRITO, CA 94530-1723 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2020 HARPER ST, EL CERRITO, CA 94530-1723 |
| Document Number | 0000006525 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021-006525 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 2020 Harper St was $11,205 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | El Cerrito City |
| Unified School District | West Contra Costa Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $785,023 (+2%) Land $427,053 Building $357,970 | |
| 2025 | $11,205.00 Homeowner's exemption | $769,631 Land $418,680 Building $350,951 |
| 2023 | $10,746.00 (+1.51%) Homeowner's exemption | $739,747 Land $402,423 Building $337,324 |
| 2022 | $10,586.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2020 Harper 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 risk around 2020 Harper 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.
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 |
| 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.
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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