5322 School St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 5322 School St, El Cerrito, CA 94530

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,470 sqft · built 1956
Lot Size	0.106 acres (4,600 sqft)
Owner	2 Company Names on Record
Last Sale	$980,000 (Mar 2021)
Tax Bill	$15,238 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`509-022-015-2`

Property Details

APN / Parcel Number

Primary APN	`509-022-015-2`
Alternative APN	`509-022-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,470 sqft Living Area
1st Floor Area	735 sqft
2nd Floor Area	735 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Lot Area	4,600 sqft (0.106 acres)
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5322 SCHOOL ST
City	EL CERRITO
State	CA
Zip	94530-2139
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	1ST BAY VIEW PARK LOTS 11 & 12 BLK D
Legal Subdivision	01ST ADD-BAY VIEW PA
Legal Block	D
Legal Lot Number	11,12
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1027
Census Tract	386000

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 Company Names on Record
Mailing Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage DANIEL KO
Mar 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage BRIAN KO
Mar 30, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 20, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE
Oct 2, 2019	Quit Claim Deed, Transfer · Line of Credit TMPF LLC
Aug 21, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Mar 20, 2020 · Amount on Record
Deed Document Number	202195767
Last Transfer Date	Aug 22, 2024
Transfer Doc	0000084971
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CAL LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 151682, SAN RAFAEL, CA 94915-1682

Mortgage

Document Number	0000071313
Date	Mar 9, 2021
Instrument	2021-071313

Lender

Name	DANIEL KO
Type	Private Party
Address	300 DRAKES LANDING RD STE 100, GREENBRAE, CA 94904

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CAL LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 151682, SAN RAFAEL, CA 94915-1682

Mortgage

Document Number	0000071314
Date	Mar 9, 2021
Instrument	2021-071314

Lender

Name	BRIAN KO
Type	Private Party
Address	300 DRAKES LANDING RD STE 100, GREENBRAE, CA 94904

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 30, 2021
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Document Number	0000095767
Map Reference	MB E PG 102
Instrument Date	Feb 3, 2021
Instrument	2021-095767
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CAL LAND 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	Tenants in Common
Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139

Mortgage

Document Number	0000095768
Date	Mar 30, 2021
Instrument	2021-095768

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 13, 2020
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Document Number	0000090542
Instrument Date	May 6, 2020
Instrument	90542
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 151682 SAN RAFAEL CA 949151682, SAN RAFAEL, CA 94915-1682

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 20, 2020
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Document Number	0000054924
Instrument Date	Mar 12, 2020
Instrument	54924
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$396.00
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 151682 SAN RAFAEL CA 949151682, SAN RAFAEL, CA 94915-1682

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 2, 2019
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Document Number	0000165656
Instrument Date	Sep 25, 2019
Instrument	165656
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6911 ASHMORE DR HOUSTON TX 770692310, HOUSTON, TX 77069-2310

Mortgage

Document Number	165657
Date	Oct 2, 2019
Instrument	165657

Lender

Name	TMPF LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 21, 2019
Property Address	5322 SCHOOL ST, EL CERRITO, CA 94530-2139
Document Number	0000133549
Instrument Date	Aug 15, 2019
Instrument	133549
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6911 ASHMORE DR HOUSTON TX 770692310, HOUSTON, TX 77069-2310

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		$1,081,997 (+2%) Land $441,631 Building $640,366
2025	$15,238.00 (+4.17%)	$1,060,782 (+4.04%) Land $432,972 Building $627,810
2023	$14,628.00 (+1.16%)	$1,019,592 Land $416,160 Building $603,432
2022	$14,460.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 790 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks, Verizon.

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