2048 Harper St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 2048 Harper St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,579 sqft · built 1989
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,375,000 (Aug 2018)
Tax Bill	$21,005 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Jul 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`501-380-054-4`

Property Details

APN / Parcel Number

Primary APN	`501-380-054-4`
Alternative APN	`501-380-054`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,579 sqft Living Area
1st Floor Area	1,173 sqft
2nd Floor Area	1,228 sqft
Basement Area	178 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Lot Area	5,400 sqft (0.124 acres)
Garage Type	Attached
Garage Area	701 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2048 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 HTS LOTS 25 & 26 BLK 39
Legal Subdivision	RICHMOND JUNCTION HEIGHTS
Legal Block	39
Legal Lot Number	25,26
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2006
Census Tract	384000

Owner

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 Record
Mailing Address	2048 HARPER ST, EL CERRITO, CA 94530-1723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Grant Deed, Transfer UNIVERSITY/CA HM LN PROGRAM CO
Jul 6, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jul 6, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jun 12, 2018	Deed of Trust, Transfer TESSA GRAGG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Jun 15, 2018 · Amount on Record
Deed Document Number	2018132099
Prior Transfer Date	Jun 27, 2018
Prior Transfer Doc	0000107889
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 17, 2018
Property Address	2048 HARPER ST, EL CERRITO, CA 94530-1723
Document Number	0000132099
Instrument Date	Aug 8, 2018
Instrument	132099
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2048 HARPER ST EL CERRITO CA 945301723, EL CERRITO, CA 94530-1723

Mortgage

Document Number	132100
Date	Aug 17, 2018
Instrument	132100

Lender

Name	UNIVERSITY/CA HM LN PROGRAM CO
Address	1111 FRANKLIN ST # 6TH, OAKLAND, CA 94607-5201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 6, 2018
Property Address	2048 HARPER ST, EL CERRITO, CA 94530-1723
Document Number	0000107890
Instrument Date	Jun 28, 2018
Instrument	107890
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2048 HARPER ST EL CERRITO CA 945301723, EL CERRITO, CA 94530-1723

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 6, 2018
Property Address	2048 HARPER ST, EL CERRITO, CA 94530-1723
Document Number	0000107889
Instrument Date	Jun 27, 2018
Instrument	107889
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2048 HARPER ST EL CERRITO CA 945301723, EL CERRITO, CA 94530-1723

June 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2048 HARPER ST, EL CERRITO, CA 94530-1723
Document Number	0000095652
Instrument Date	Jun 12, 2018
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	136 GLORIETTA BLVD ORINDA CA 945633543, ORINDA, CA 94563-3543

Mortgage

Document Number	0000095652
Date	Jun 15, 2018
Instrument	95652

Lender

Name	TESSA GRAGG
Address	1320 SOLANO AVE, ALBANY, CA 94706-1854

Agreement

Amount	Amount Recorded

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		$1,567,374 (+2%) Land $796,478 Building $770,896
2025	$21,005.00 (+4.34%) Homeowner's exemption	$1,536,642 (+4.04%) Land $780,861 Building $755,781
2023	$20,132.00 (+1.46%) Homeowner's exemption	$1,476,974 Land $750,540 Building $726,434
2022	$19,842.00

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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