2325 Harvard St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 2325 Harvard St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,140 sqft · built 1949
Lot Size	0.212 acres (9,225 sqft)
Owner	2 Individual Names on File
Last Sale	$1,540,000 (Sep 2020)
Tax Bill	$22,719 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`501-100-008-9`

Property Details

APN / Parcel Number

Primary APN	`501-100-008-9`
Alternative APN	`501-100-008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,140 sqft Living Area
1st Floor Area	2,134 sqft
Basement Area	1,006 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1970
Lot Area	9,225 sqft (0.212 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2325 HARVARD ST
City	EL CERRITO
State	CA
Zip	94530-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICHMOND SEA VIEW LOTS 5,6 & 7 BLK 7
Legal Subdivision	RICHMOND SEA VIEW
Legal Block	7
Legal Lot Number	5,6,7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1019
Census Tract	384000

Owner

2325 Harvard St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2325 HARVARD ST, EL CERRITO, CA 94530-1509
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Sep 9, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Jun 30, 2015 · Amount on File
Deed Document Number	2020199345
Prior Transfer Date	Aug 18, 1995
Prior Transfer Doc	0000179714
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2325 HARVARD ST, EL CERRITO, CA 94530-1509
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217989
Date	Nov 20, 2017
Instrument	2017-217989

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 9, 2020
Property Address	2325 HARVARD ST, EL CERRITO, CA 94530-1509
Document Number	0000199345
Map Reference	MB 11 PG 246
Instrument Date	Aug 31, 2020
Instrument	2020-199345
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC 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	2325 HARVARD ST, EL CERRITO, CA 94530-1509

Mortgage

Document Number	0000199346
Date	Sep 9, 2020
Instrument	2020-199346

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2325 Harvard St was $22,719 with a homeowner's exemption.

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		$1,700,283 (+2%) Land $1,104,080 Building $596,203
2025	$22,719.00 Homeowner's exemption	$1,666,945 Land $1,082,432 Building $584,513
2023	$21,776.00 (+1.26%) Homeowner's exemption	$1,602,216 Land $1,040,400 Building $561,816
2022	$21,504.00

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

Flood

FEMA maps place 2325 Harvard St 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	1 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

Wildfire risk around 2325 Harvard St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 861 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 · 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

May also be available: Etheric Networks, GeoLinks, T-Mobile.

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