627 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 627 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,883 sqft · built 1958
Lot Size	0.17 acres (7,410 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (Mar 2008)
Tax Bill	$12,525 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503-384-012-4`

Property Details

APN / Parcel Number

Primary APN	`503-384-012-4`
Alternative APN	`503-384-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,883 sqft Living Area
1st Floor Area	1,883 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Duplex Single
Lot Area	7,410 sqft (0.17 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	627 ELM ST
City	EL CERRITO
State	CA
Zip	94530-3120
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	BLVD GARDENS #1 POR LOTS 3,4 BLK 21 & TR ADJ
Legal Subdivision	BOULEVARD GARDENS 01
Legal Tract	1
Legal Block	21
Legal Lot Number	3,4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2006
Census Tract	388000

Owner

Source: Contra Costa County records, as of August 25, 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	PO BOX 491, SAN FRANCISCO, CA 94104-0491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Line of Credit PATELCO CREDIT UNION
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 26, 2020	Intrafamily Transfer, Transfer · Line of Credit PATELCO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2008 · Amount on Record
Deed Sale	Mar 6, 2008 · Amount on Record
Prior Sale	May 16, 2000 · Amount on Record
Deed Document Number	200847445
Last Transfer Date	May 20, 2020
Transfer Doc	0000099409
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 18, 2026
Property Address	627 ELM ST, EL CERRITO, CA 94530-3120
Document Number	0000086952
Instrument Date	Aug 11, 2026
Instrument	202686952
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	627 ELM ST, EL CERRITO, CA 94530-3120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000086952,
Date	Aug 18, 2026
Instrument	202686952

Lender

Name	PATELCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 11, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	627 ELM ST, EL CERRITO, CA 94530-3120
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000226524
Date	Dec 18, 2019
Instrument	2019-226524

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

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

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 26, 2020
Property Address	627 ELM ST, EL CERRITO, CA 94530-3120
Document Number	0000099409
Map Reference	MB 1 PG 11
Instrument Date	May 20, 2020
Instrument	2020-099409
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 ELM ST, EL CERRITO, CA 94530-3120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099410
Date	May 26, 2020
Instrument	2020-099410

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jun 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$864,146 (+2%) Land $636,391 Building $227,755
2025	$12,525.00 (+4.23%) Homeowner's exemption	$847,203 (+4.04%) Land $623,913 Building $223,290
2023	$12,017.00 (+1.25%) Homeowner's exemption	$814,307 Land $599,687 Building $214,620
2022	$11,869.00

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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures