Contra Costa County property record for 644 Kearney St, El Cerrito, CA 94530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,291 sqft · built 1928 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | Trust Name on File |
| Last Sale | $175,000 (Sep 1996) |
| Tax Bill | $4,734 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 503-393-017-2 |
| Primary APN | 503-393-017-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,291 sqft Living Area |
| 1st Floor Area | 1,291 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Lot Area | 3,000 sqft (0.069 acres) |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 644 KEARNEY ST |
|---|---|
| City | EL CERRITO |
| State | CA |
| Zip | 94530-3127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BLVD GARDENS #1 POR 9 33 |
| Legal Subdivision | BOULEVARD GARDENS |
| Legal Block | 33 |
| Legal Lot Number | 9 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 388000 |
644 Kearney St is owner-occupied and held in a trust since January 2015.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 644 KEARNEY ST, EL CERRITO, CA 94530-3127 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 1996 · Amount on File |
| Deed Sale | Sep 9, 1996 · Amount on File |
| Deed Document Number | 1996168204 |
| Last Transfer Date | Jan 31, 2015 |
| Transfer Doc | 0000029612 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 644 KEARNEY ST, EL CERRITO, CA 94530-3127 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 644 KEARNEY ST, EL CERRITO, CA 94530-3127 |
| Document Number | 0000335433 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021-335433 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 644 Kearney St was $4,734 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | El Cerrito City |
| Unified School District | West Contra Costa Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $290,520 (+2%) Land $181,643 Building $108,877 | |
| 2025 | $4,734.00 Homeowner's exemption | $284,825 Land $178,082 Building $106,743 |
| 2023 | $4,550.00 (+2.09%) Homeowner's exemption | $273,767 Land $171,168 Building $102,599 |
| 2022 | $4,457.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 644 Kearney St in Zone X, an area of minimal flood risk.
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.
The area around 644 Kearney St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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