628 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 628 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,606 sqft · built 1946
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on Record
Last Sale	$772,000 (Jun 2015)
Tax Bill	$13,655 (2025)
Deeds & Mortgages	Feb 2023 Transfer May 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`503-376-006-6`

Property Details

APN / Parcel Number

Primary APN	`503-376-006-6`
Alternative APN	`503-376-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,606 sqft Living Area
Gross Area	1,140 sqft
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1961
Lot Area	6,000 sqft (0.138 acres)
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	628 ELM ST
City	EL CERRITO
State	CA
Zip	94530-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLVD GARDENS #1 POR LOT 4 BLK 20
Legal Subdivision	BOULEVARD GARDENS 01
Legal Tract	1
Legal Block	20
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2011
Census Tract	388000

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 Company Names on Record
Mailing Address	628 ELM ST, EL CERRITO, CA 94530-3121
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Intrafamily Transfer, Transfer
May 18, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2015 · Amount on Record
Deed Sale	Jun 2, 2015 · Amount on Record
Prior Sale	Mar 25, 2014 · Amount on Record
Deed Document Number	2015110537
Prior Transfer Date	Dec 19, 1997
Prior Transfer Doc	0000251158
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 21, 2023
Property Address	628 ELM ST, EL CERRITO, CA 94530-3121
Document Number	0000015424
Map Reference	MB 1 PG 11
Instrument Date	Feb 11, 2023
Instrument	2023-015424
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	628 ELM ST, EL CERRITO, CA 94530-3121

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	628 ELM ST, EL CERRITO, CA 94530-3121
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078593
Date	May 18, 2018
Instrument	2018-078593

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	628 ELM ST, EL CERRITO, CA 94530-3121
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000216963
Date	Dec 4, 2019
Instrument	2019-216963

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	628 ELM ST, EL CERRITO, CA 94530-3121
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 ELM ST, EL CERRITO, CA 94530-3121

Mortgage

Document Number	0000036691
Date	Feb 5, 2021
Instrument	2021-036691

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	628 ELM ST, EL CERRITO, CA 94530-3121
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 ELM ST, EL CERRITO, CA 94530-3121

Mortgage

Document Number	0000058137
Date	Apr 4, 2022
Instrument	2022-058137

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 30, 2047

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		$946,378 (+2%) Land $701,204 Building $245,174
2025	$13,655.00 (+4.2%)	$927,822 (+4.04%) Land $687,455 Building $240,367
2023	$13,104.00 (+1.21%)	$891,795 Land $660,761 Building $231,034
2022	$12,947.00

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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