207 Carmel Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 207 Carmel Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,005 sqft · built 1949
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,020,000 (Sep 2026)
Tax Bill	$11,242 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`504-251-014-8`

Property Details

APN / Parcel Number

Primary APN	`504-251-014-8`
Alternative APN	`504-251-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,005 sqft Living Area
1st Floor Area	1,005 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	3,000 sqft (0.069 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	207 CARMEL AVE
City	EL CERRITO
State	CA
Zip	94530-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CERRITO PARK TRACT POR LOTS 21 & 22 BLK 10
Legal Subdivision	EL CERRITO PARK
Legal Block	10
Legal Lot Number	21,22
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1007
Census Tract	390200

Owner

Source: Contra Costa County records, as of September 22, 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	207 CARMEL AVE, EL CERRITO, CA 94530-4116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jan 15, 2016 · Amount on Record
Deed Document Number	202696689
Prior Transfer Date	Jun 19, 2023
Prior Transfer Doc	0000090033
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 14, 2026
Property Address	207 CARMEL AVE, EL CERRITO, CA 94530-4116
Document Number	0000096689
Instrument Date	Aug 17, 2026
Instrument	202696689
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	207 CARMEL AVE, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000096690,
Date	Sep 14, 2026
Instrument	202696690

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000096691,
Date	Sep 14, 2026
Instrument	202696691

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	207 CARMEL AVE, EL CERRITO, CA 94530-4116
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CARMEL AVE, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000198639
Date	Sep 9, 2020
Instrument	2020-198639

Lender

Name	CROSSCOUNTRY MORTGAGE
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	207 CARMEL AVE, EL CERRITO, CA 94530-4116
Document Number	0000226812
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	207 CARMEL AVE EL CERRITO CA 945304116, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000226812
Date	Dec 4, 2017
Instrument	226812

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2047

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		$809,000 (+2%) Land $686,324 Building $122,676
2025	$11,242.00 (+4.26%) Homeowner's exemption	$793,138 (+4.04%) Land $672,867 Building $120,271
2023	$10,783.00 (+1.48%) Homeowner's exemption	$762,341 Land $646,740 Building $115,601
2022	$10,626.00

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	3 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	Not rated no burnable land within 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 900 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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