Contra Costa County property record for 246 Carmel Ave, El Cerrito, CA 94530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,373 sqft · built 1939 |
| Lot Size | 0.099 acres (4,300 sqft) |
| Owner | Trust Name on File |
| Last Sale | $721,000 (Apr 2009) |
| Tax Bill | $13,006 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 504-300-028-9 |
| Primary APN | 504-300-028-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| 1st Floor Area | 1,373 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 4,300 sqft (0.099 acres) |
| Garage Type | Attached |
| Garage Area | 304 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Central |
|---|
| Street Address | 246 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 48 POR 47 BLK 7 |
| Legal Subdivision | CERRITO PARK |
| Legal Block | 7 |
| Legal Lot Number | 48 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 390200 |
246 Carmel Ave is owner-occupied and held in a trust since April 2014.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 246 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2009 · Amount on File |
| Deed Sale | Apr 28, 2009 · Amount on File |
| Prior Sale | Mar 30, 2006 · Amount on File |
| Deed Document Number | 200992496 |
| Last Transfer Date | Apr 23, 2014 |
| Transfer Doc | 0000098548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 246 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 246 CARMEL AVE, EL CERRITO, CA 94530-4117 |
| Document Number | 0000230427 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021-230427 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 246 Carmel Ave was $13,006 with a homeowner's exemption.
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 | $947,033 (+2%) Land $656,753 Building $290,280 | |
| 2025 | $13,006.00 Homeowner's exemption | $928,465 Land $643,876 Building $284,589 |
| 2023 | $12,475.00 (+1.41%) Homeowner's exemption | $892,413 Land $618,874 Building $273,539 |
| 2022 | $12,301.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 246 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 risk around 246 Carmel Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 816 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Sonic Telecom Fiber | 1,000 / 1,000 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
May also be available: GeoLinks, T-Mobile.
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