430 Kearney St, #A, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 430 Kearney St, #A, El Cerrito, CA 94530

Property Summary

Property Type	Quadplex
Details	2,099 sqft · built 1939
Lot Size	0.115 acres (5,000 sqft)
Owner	Trust Name on File
Last Sale	$1,075,000 (Feb 2020)
Tax Bill	$17,995 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`504-151-023`

Property Details

APN / Parcel Number

Primary APN	`504-151-023`
Alternative APN	`504-151-023-0`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,099 sqft Living Area
1st Floor Area	2,099 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1950
Architectural Style	Quadruplex
Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Street Address	430 KEARNEY ST, A
City	EL CERRITO
State	CA
Zip	94530-3657
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Legal Description	HENDERSON TAPSCOTT LOTS 16 & 17 BLK 6
Legal Subdivision	HENDERSON-TAPSCOTT
Legal Tract	1
Legal Block	6
Legal Lot Number	16,17
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2009
Census Tract	389100

Owner

430 Kearney St, #A is held in a trust since February 2020.

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

Owner of Record	Trust Name on File
Mailing Address	16 SALINAS AVE, SAN ANSELMO, CA 94960-1621
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 26, 2020	Grant Deed, Transfer · Conventional Mortgage GEORGE W SAUNDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2020 · Amount on File
Deed Sale	Feb 26, 2020 · Amount on File
Prior Sale	Jun 16, 2004 · Amount on File
Deed Document Number	202036156
Prior Transfer Date	Mar 25, 1997
Prior Transfer Doc	0000050224
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	430 KEARNEY ST # A, A, EL CERRITO, CA 94530-3657
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SALINAS AVE, SAN ANSELMO, CA 94960-1621

Mortgage

Document Number	0000127394
Date	Aug 17, 2022
Instrument	2022-127394

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 26, 2020
Property Address	430 KEARNEY ST # A, A, EL CERRITO, CA 94530-3657
Document Number	0000036156
Instrument Date	Feb 24, 2020
Instrument	36156
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16 SALINAS AVE SAN ANSELMO CA 949601621, SAN ANSELMO, CA 94960-1621

Mortgage

Document Number	36157
Date	Feb 26, 2020
Instrument	36157

Lender

Name	GEORGE W SAUNDERS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 430 Kearney St, #A was $17,995.

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		$1,209,582 (+2%) Land $390,429 Building $819,153
2025	$17,995.00	$1,185,866 Land $382,774 Building $803,092
2023	$16,771.00 (+1.18%) Homeowner's exemption	$1,130,015 Land $367,911 Building $762,104
2022	$16,576.00

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

Flood

FEMA maps place 430 Kearney St, #A 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 430 Kearney St, #A 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 1,010 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
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Kearney St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures