230 Carmel Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 230 Carmel Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,121 sqft · built 1940
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jun 2023)
Tax Bill	$17,978 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`504-300-023`

Property Details

APN / Parcel Number

Primary APN	`504-300-023`
Alternative APN	`504-300-023-0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,121 sqft Living Area
1st Floor Area	1,121 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1943
Lot Area	4,200 sqft (0.096 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	230 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 39 POR 40 BLK 7
Legal Subdivision	CERRITO PARK
Legal Block	7
Legal Lot Number	39
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1006
Census Tract	390200

Owner

Source: Contra Costa County records, as of July 14, 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	230 CARMEL AVE, EL CERRITO, CA 94530-4117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage MONTERRA CREDIT UNION
Jun 13, 2023	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 18, 2021	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023 · Amount on Record
Deed Sale	Jun 13, 2023 · Amount on Record
Deed Document Number	202355868
Prior Transfer Date	Jan 6, 2011
Prior Transfer Doc	0000008759
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	230 CARMEL AVE, EL CERRITO, CA 94530-4117
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 CARMEL AVE, EL CERRITO, CA 94530-4117

Mortgage

Document Number	0000030418
Date	Mar 27, 2026
Instrument	2026- 030418

Lender

Name	MONTERRA CREDIT UNION
Type	Credit Union
Address	350 CONVENTION WAY, REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	5-Year CMT
Max Rate	10.3%

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 13, 2023
Property Address	230 CARMEL AVE, EL CERRITO, CA 94530-4117
Document Number	0000055868
Map Reference	MB 2 PG 37
Instrument Date	May 31, 2023
Instrument	2023-055868
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	230 CARMEL AVE, EL CERRITO, CA 94530-4117

Mortgage

Document Number	0000055869
Date	Jun 13, 2023
Instrument	2023-055869

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	Other
Max Rate	11.1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	230 CARMEL AVE, EL CERRITO, CA 94530-4117
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 CARMEL AVE, EL CERRITO, CA 94530-4117

Mortgage

Document Number	0000229619
Date	Aug 18, 2021
Instrument	2021-229619

Lender

Name	MECHANICS BANK
Type	Bank
Address	SANTA MARIA, CA 93456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,250,000 (-14.18%) Land $1,071,429 Building $178,571
2025	$17,978.00 (+176.58%)	$1,456,560 (+236.11%) Land $1,248,480 Building $208,080
2023	$6,500.00 (+1.79%) Homeowner's exemption	$433,355 Land $277,354 Building $156,001
2022	$6,386.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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