Contra Costa County property record for 224 Carmel Ave, El Cerrito, CA 94530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,325 sqft · built 1939 |
| Lot Size | 0.085 acres (3,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,020,000 (Dec 2019) |
| Tax Bill | $15,495 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 504-300-021-4 |
| Primary APN | 504-300-021-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,325 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 237 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 3,700 sqft (0.085 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Central |
|---|
| Street Address | 224 CARMEL AVE |
|---|---|
| City | EL CERRITO |
| State | CA |
| Zip | 94530-4117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CERRITO PARK TRACT LOT 36 POR 37 BLK 7 |
| Legal Subdivision | CERRITO PARK |
| Legal Block | 7 |
| Legal Lot Number | 36 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 390200 |
224 Carmel Ave is owned and occupied by two individuals who bought it in December 2019.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 224 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| 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.
| Date | Document |
|---|---|
| Jun 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Dec 10, 2019 | Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2019 · Amount on File |
| Deed Sale | Dec 10, 2019 · Amount on File |
| Prior Sale | Mar 18, 2005 · Amount on File |
| Deed Document Number | 2019221455 |
| Prior Transfer Date | Aug 25, 1997 |
| Prior Transfer Doc | 0000174130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 224 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 224 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Document Number | 0000173166 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 2021-173166 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Dec 10, 2019 |
| Property Address | 224 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Document Number | 0000221455 |
| Map Reference | MB 2 PG 37 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2019-221455 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 224 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Document Number | 0000221456 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 2019-221456 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 224 Carmel Ave was $15,495.
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 | $1,137,825 (+2%) Land $892,413 Building $245,412 | |
| 2025 | $15,495.00 | $1,115,515 Land $874,915 Building $240,600 |
| 2023 | $14,863.00 (+1.34%) | $1,072,200 Land $840,942 Building $231,258 |
| 2022 | $14,666.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 224 Carmel Ave in Zone X, an area of minimal flood risk.
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.
The area around 224 Carmel Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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