Contra Costa County property record for 540 Kearney St, El Cerrito, CA 94530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,434 sqft · built 1926 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Apr 2006) |
| Tax Bill | $13,689 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 504-011-029-7 |
| Primary APN | 504-011-029-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,434 sqft Living Area |
| Gross Area | 825 sqft |
| 1st Floor Area | 825 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 540 KEARNEY ST |
|---|---|
| City | EL CERRITO |
| State | CA |
| Zip | 94530-3521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HENDERSON TAPSCOTT LOTS 21 & 22 BLK 5 |
| Legal Subdivision | HENDERSON TAPSCOTT TR 01 |
| Legal Tract | 1 |
| Legal Block | 5 |
| Legal Lot Number | 21,22 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 389100 |
540 Kearney St is owned by two individuals who bought it in April 2006.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 E LAKE DR, ANTIOCH, CA 94509-2042 |
| Owner Type | Individual |
| Vesting | Community Property |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2006 · Amount on File |
| Deed Sale | Apr 21, 2006 · Amount on File |
| Prior Sale | Apr 27, 1999 · Amount on File |
| Deed Document Number | 2006124378 |
| Prior Transfer Date | Apr 22, 2003 |
| Prior Transfer Doc | 0000216266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 540 KEARNEY ST, EL CERRITO, CA 94530-3521 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 542 KEARNEY ST, EL CERRITO, CA 94530-3521 |
| Document Number | 0000252773 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 2020-252773 |
| Name | GOOGAIN INC |
|---|---|
| Type | Mortgage Company |
| Address | SUNNYVALE, CA 94086 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 540 Kearney St was $13,689.
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 | $958,845 (+2.09%) Land $627,254 Building $331,591 | |
| 2025 | $13,689.00 | $939,260 Land $614,955 Building $324,305 |
| 2023 | $13,034.00 (+1.17%) | $893,178 Land $591,077 Building $302,101 |
| 2022 | $12,883.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 540 Kearney 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.
The area around 540 Kearney St 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures