712 Midcrest Way, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 712 Midcrest Way, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 1956
Lot Size	0.152 acres (6,615 sqft)
Owner	2 Trust Names on File
Last Sale	$740,000 (Sep 2014)
Tax Bill	$12,699 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`504-405-001`

Property Details

APN / Parcel Number

Primary APN	`504-405-001`
Alternative APN	`504-405-001-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,615 sqft (0.152 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	712 MIDCREST WAY
City	EL CERRITO
State	CA
Zip	94530-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAVENSIDE #3 LOT 171
Legal Subdivision	HAVENSIDE 03
Legal Lot Number	171
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2000
Census Tract	390100

Owner

712 Midcrest Way is owner-occupied and held in a trust since August 2021.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	712 MIDCREST WAY, EL CERRITO, CA 94530-3310
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Aug 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2014 · Amount on File
Deed Sale	Sep 8, 2014 · Amount on File
Deed Document Number	2014152189
Last Transfer Date	Aug 18, 2021
Transfer Doc	0000234988
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	712 MIDCREST WAY, EL CERRITO, CA 94530-3310
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000178284
Date	Aug 21, 2020
Instrument	2020-178284

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 24, 2021
Property Address	712 MIDCREST WAY, EL CERRITO, CA 94530-3310
Document Number	0000234988
Map Reference	MB 31 PG 46&47
Instrument Date	Aug 18, 2021
Instrument	2021-234988
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

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	Community Property with Right of Survivorship
Address	712 MIDCREST WAY, EL CERRITO, CA 94530-3310

Mortgage

Document Number	0000234989
Date	Aug 24, 2021
Instrument	2021-234989

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 712 Midcrest Way was $12,699.

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		$907,144 (+2%) Land $654,005 Building $253,139
2025	$12,699.00	$889,358 Land $641,182 Building $248,176
2023	$12,174.00 (+1.45%)	$854,825 Land $616,285 Building $238,540
2022	$12,000.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 712 Midcrest Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	4 in force
Nearby Flood Claims	2 (1982–2014)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2014 · 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

Wildfire risk around 712 Midcrest Way is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Sonic Telecom, Verizon.

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