5909 Charles Ave, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 5909 Charles Ave, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,049 sqft · built 1939
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$925,000 (Jul 2019)
Tax Bill	$14,213 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`500-060-012-1`

Property Details

APN / Parcel Number

Primary APN	`500-060-012-1`
Alternative APN	`500-060-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,049 sqft Living Area
1st Floor Area	1,557 sqft
Basement Area	492 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1969
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	5909 CHARLES AVE
City	EL CERRITO
State	CA
Zip	94530-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICH PACIFIC HTS LOT 19 & POR 20 BLK 2
Legal Subdivision	RICHARD PACIFIC HEIGHTS
Legal Block	2
Legal Lot Number	19
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	4
Census Block	4006
Census Tract	384000

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 Individual Names on Record
Mailing Address	404 BONNIE DR, EL CERRITO, CA 94530-3321
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 19, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Apr 25, 2011 · Amount on Record
Deed Document Number	2019112678
Prior Transfer Date	Aug 5, 2013
Prior Transfer Doc	0000197918
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 22, 2026
Property Address	5909 CHARLES AVE, EL CERRITO, CA 94530-1422
Document Number	0000065054
Instrument Date	Jun 13, 2026
Instrument	202665054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CHARLES AVE, EL CERRITO, CA 94530-1422

Mortgage

Document Number	0000065054,
Date	Jun 22, 2026
Instrument	202665054

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2056

Interest

Rate	6.36%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5909 CHARLES AVE, EL CERRITO, CA 94530-1422
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CHARLES AVE, EL CERRITO, CA 94530-1422

Mortgage

Document Number	0000207353
Date	Sep 17, 2020
Instrument	2020-207353

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 19, 2019
Property Address	5909 CHARLES AVE, EL CERRITO, CA 94530-1422
Document Number	0000112678
Map Reference	MB 12 PG 279
Instrument Date	Jul 10, 2019
Instrument	2019-112678
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	404 BONNIE DR, EL CERRITO, CA 94530-3321

Mortgage

Document Number	0000112679
Date	Jul 19, 2019
Instrument	2019-112679

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$1,031,850 (+2%) Land $780,861 Building $250,989
2025	$14,213.00 (+4.23%)	$1,011,618 (+4.04%) Land $765,550 Building $246,068
2023	$13,636.00 (+1.36%)	$972,338 Land $735,824 Building $236,514
2022	$13,453.00

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 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

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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