545 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 545 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Quadplex
Details	2,998 sqft · built 1948
Lot Size	0.137 acres (5,971 sqft)
Owner	Individual Name on Record
Last Sale	$1,060,000 (Jan 2017)
Tax Bill	$18,746 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`504-032-002-9`

Property Details

APN / Parcel Number

Primary APN	`504-032-002-9`
Alternative APN	`504-032-002`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,998 sqft Living Area
1st Floor Area	2,998 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Quadruplex
Lot Area	5,971 sqft (0.137 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	545 ELM ST
City	EL CERRITO
State	CA
Zip	94530-3644
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Legal Description	HENDERSON TAPSCOTT #1 LOT 1 & 2 BLK 15
Legal Subdivision	HENDERSON TAPSCOTT 01
Legal Tract	1
Legal Block	15
Legal Lot Number	1,2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1006
Census Tract	389100

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	Individual Name on Record
Mailing Address	789 FOXRIDGE WAY, SAN JOSE, CA 95133-1404
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 25, 2017	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jan 25, 2017	Grant Deed, Transfer · ARM FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2017 · Amount on Record
Deed Sale	Jan 25, 2017 · Amount on Record
Prior Sale	Jul 31, 2007 · Amount on Record
Deed Document Number	201715500
Prior Transfer Date	Jan 20, 2017
Prior Transfer Doc	0000015499
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	545 ELM ST, EL CERRITO, CA 94530-3644
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	789 FOXRIDGE WAY, SAN JOSE, CA 95133-1404

Mortgage

Document Number	0000288114
Date	Oct 20, 2021
Instrument	2021-288114

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.12%
Index	Other
Margin	3
Max Rate	7.12%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 25, 2017
Property Address	545 ELM ST, EL CERRITO, CA 94530-3644
Document Number	0000015499
Instrument Date	Jan 20, 2017
Instrument	15499
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	789 FOXRIDGE WAY SAN JOSE CA 951331404, SAN JOSE, CA 95133-1404

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 25, 2017
Property Address	545 ELM ST, EL CERRITO, CA 94530-3644
Document Number	0000015500
Map Reference	MB1 PG1
Instrument Date	Jan 19, 2017
Instrument	2017-015500
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC 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
Address	789 FOXRIDGE WAY, SAN JOSE, CA 95133-1404

Mortgage

Document Number	0000015501
Date	Jan 25, 2017
Instrument	2017-015501

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8%

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		$1,254,818 (+2%) Land $899,682 Building $355,136
2025	$18,746.00 (+4.05%)	$1,230,215 (+4.04%) Land $882,042 Building $348,173
2023	$18,017.00 (+1.23%)	$1,182,447 Land $847,793 Building $334,654
2022	$17,798.00

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 · 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

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.

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