225 Carmel Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 225 Carmel Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1939
Lot Size	0.087 acres (3,800 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Mar 2017)
Tax Bill	$12,380 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`504-251-008`

Property Details

APN / Parcel Number

Primary APN	`504-251-008`
Alternative APN	`504-251-008-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,544 sqft Living Area
1st Floor Area	1,268 sqft
2nd Floor Area	276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1965
Lot Area	3,800 sqft (0.087 acres)
Garage Type	Attached
Garage Area	189 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	225 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 12 & 13 BLK 10
Legal Subdivision	CERRITO PARK
Legal Block	10
Legal Lot Number	12,13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1007
Census Tract	390200

Owner

225 Carmel Ave is owned and occupied by two individuals who bought it in March 2017.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage KRAY KAYA EDUCATION TRUST
Mar 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage KRAY KAYA EDUCATION TRUST (CT)
Mar 3, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 3, 2017	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2017 · Amount on File
Deed Sale	Mar 3, 2017 · Amount on File
Deed Document Number	201738597
Prior Transfer Date	Dec 28, 2013
Prior Transfer Doc	0000017842
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000015247
Date	Jan 26, 2022
Instrument	2022-015247

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000110797
Date	Jul 11, 2022
Instrument	2022-110797

Lender

Name	KRAY KAYA EDUCATION TRUST
Type	Private Party
Address	40 PACIFICA # 15, IRVINE, CA 92618

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Document Number	0000169826
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CARMEL AVE EL CERRITO CA 945304116, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000169826
Date	Sep 18, 2017
Instrument	169826

Lender

Name	KRAY KAYA EDUCATION TRUST (CT)
Address	40 PACIFICA # 15TH, IRVINE, CA 92618-7471

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 3, 2017
Property Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Document Number	0000038597
Map Reference	MAP2 PG37
Instrument Date	Feb 21, 2017
Instrument	2017-038597
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116

Mortgage

Document Number	0000038598
Date	Mar 3, 2017
Instrument	2017-038598

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 3, 2017
Property Address	225 CARMEL AVE, EL CERRITO, CA 94530-4116
Document Number	0000038596
Instrument Date	Feb 21, 2017
Instrument	38596
Transaction Type	Transfer
Record Updated	Mar 20, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 COLONIAL RD ROCHESTER NY 146096737, ROCHESTER, NY 14609-6737

Tax Assessment & Valuation

The 2025 property tax bill for 225 Carmel Ave was $12,380.

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		$889,175 (+2%) Land $733,952 Building $155,223
2025	$12,380.00	$871,741 Land $719,561 Building $152,180
2023	$11,879.00 (+1.42%)	$837,892 Land $691,620 Building $146,272
2022	$11,713.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 225 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.

Wildfire

The area around 225 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.

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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