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709 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 709 Elm St, El Cerrito, CA 94530

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,318 sqft · built 1950
Lot Size0.115 acres (5,000 sqft)
Owner2 Individual Names on Record
Last Sale$700,000 (Jul 2014)
Tax Bill$11,894 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2021 Transfer
Flood ZoneZone X (minimal risk)
APN503-381-013-5

Property Details

APN / Parcel Number

Primary APN503-381-013-5
Alternative APN
  • 503-381-013

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,318 sqft Living Area
1st Floor Area983 sqft
2nd Floor Area202 sqft
Basement Area133 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1965
Lot Area5,000 sqft (0.115 acres)
Garage TypeAttached
Garage Area287 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address709 ELM ST
CityEL CERRITO
StateCA
Zip94530-3102
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionBLVD GARDENS #1 POR 6 22
Legal SubdivisionBOULEVARD GARDENS
Legal Tract1
Legal Block22
Legal Lot Number6
JurisdictionCONTRA COSTA CA
Township / Civil DivisionWEST CONTRA COSTA
Census Block Group2
Census Block2005
Census Tract388000

Owner

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 Record2 Individual Names on Record
Mailing Address709 ELM ST, EL CERRITO, CA 94530-3102
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 6, 2020Deed of Trust, Mortgage · Conventional Mortgage
ALLY BANK
Aug 25, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 29, 2014 · Amount on Record
Deed SaleJul 29, 2014 · Amount on Record
Prior SaleSep 1, 2006 · Amount on Record
Deed Document Number2014124709
Prior Transfer DateJul 10, 1997
Prior Transfer Doc0000128604
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address709 ELM ST, EL CERRITO, CA 94530-3102
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address709 ELM ST, EL CERRITO, CA 94530-3102

Mortgage

Document Number0000265020
DateNov 6, 2020
Instrument2020-265020
Lender
NameALLY BANK
TypeBank
AddressCHARLOTTE, NC 28202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 1, 2035

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCONTRA COSTA CA
Recording DateAug 25, 2021
Property Address709 ELM ST, EL CERRITO, CA 94530-3102
Document Number0000238895
Map ReferenceVOL 1 PG 11
Instrument DateAug 5, 2021
Instrument2021-238895
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address709 ELM ST, EL CERRITO, CA 94530-3102

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalityEl Cerrito City
Unified School DistrictWest Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$858,109 (+2%) Land $742,513 Building $115,596
2025$11,894.00 (+4.24%) Homeowner's exemption$841,284 (+4.04%) Land $727,954 Building $113,330
2023$11,410.00 (+1.45%) Homeowner's exemption$808,618 Land $699,688 Building $108,930
2022$11,247.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemEAST BAY MUD
serves 1,468,000 people · EPA ID CA0110005
Water SourceSurface water
Last State InspectionDec 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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