5810 Charles Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 5810 Charles Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,385 sqft · built 1927
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$2,200,000 (Jul 2020)
Tax Bill	$32,421 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`500-072-001`

Property Details

APN / Parcel Number

Primary APN	`500-072-001`
Alternative APN	`500-072-001-0`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,385 sqft Living Area
Gross Area	5,180 sqft
1st Floor Area	3,242 sqft
2nd Floor Area	1,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Slate
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5810 CHARLES AVE
City	EL CERRITO
State	CA
Zip	94530-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICH PACIFIC HTS LOTS 10 TO 16 BLK 4
Legal Subdivision	RICHMOND PACIFIC HEIGHTS
Legal Block	4
Legal Lot Number	10-16
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	4
Census Block	4010
Census Tract	384000

Owner

5810 Charles Ave is owned and occupied by an individual who bought it in July 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Feb 10, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Jul 9, 2020	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 18, 2020	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Deed Document Number	2020136897
Prior Transfer Date	Oct 4, 2012
Prior Transfer Doc	0000248291
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421

Mortgage

Document Number	0000082758
Date	Aug 28, 2023
Instrument	2023-082758

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026752
Date	Feb 10, 2017
Instrument	2017-026752

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 9, 2020
Property Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421
Document Number	0000136897
Instrument Date	Jun 24, 2020
Instrument	2020-136897
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	5810 CHARLES AVE, EL CERRITO, CA 94530-1421

Mortgage

Document Number	0000136898
Date	Jul 9, 2020
Instrument	2020-136898

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2027
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	9.25%

February 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 18, 2020
Property Address	5810 CHARLES AVE, EL CERRITO, CA 94530-1421
Document Number	0000029406
Instrument Date	Jan 27, 2020
Instrument	29406
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5810 CHARLES AVE EL CERRITO CA 945301421, EL CERRITO, CA 94530-1421

Tax Assessment & Valuation

The 2025 property tax bill for 5810 Charles Ave was $32,421.

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		$2,428,974 (+2%) Land $1,214,487 Building $1,214,487
2025	$32,421.00	$2,381,348 Land $1,190,674 Building $1,190,674
2023	$31,045.00 (+1.25%)	$2,288,880 Land $1,144,440 Building $1,144,440
2022	$30,662.00

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

Flood

FEMA maps place 5810 Charles Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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 Claims	1 (1980)
Most Recent Claim	Jan 1980 · rainfall accumulation

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

Wildfire risk around 5810 Charles 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	Indirect 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 927 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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