736 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 736 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1939
Lot Size	0.115 acres (5,000 sqft)
Owner	Trust Name on File
Last Sale	$233,000 (Jul 1999)
Tax Bill	$7,677 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503-373-024-2`

Property Details

APN / Parcel Number

Primary APN	`503-373-024-2`
Alternative APN	`503-373-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,389 sqft Living Area
1st Floor Area	1,389 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	736 ELM ST
City	EL CERRITO
State	CA
Zip	94530-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLVD GARDENS POR 13 19
Legal Subdivision	BOULEVARD GARDENS
Legal Block	19
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2004
Census Tract	388000

Owner

736 Elm St is owner-occupied and held in a trust since September 2022.

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

Owner of Record	Trust Name on File
Mailing Address	736 ELM ST, EL CERRITO, CA 94530-3103
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 22, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 1999 · Amount on File
Deed Sale	Jul 28, 1999 · Amount on File
Deed Document Number	1999200207
Last Transfer Date	Sep 13, 2022
Transfer Doc	0000142642
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	736 ELM ST, EL CERRITO, CA 94530-3103
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE 365 CORACPOLIS PA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212572
Date	Nov 13, 2017
Instrument	2017-212572

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	323 Months
Due	Oct 1, 2044

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	736 ELM ST, EL CERRITO, CA 94530-3103
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 ELM ST, EL CERRITO, CA 94530-3103

Mortgage

Document Number	0000087827
Date	May 24, 2022
Instrument	2022-087827

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 22, 2022
Property Address	736 ELM ST, EL CERRITO, CA 94530-3103
Document Number	0000142642
Map Reference	MB 1 PG 11
Instrument Date	Sep 13, 2022
Instrument	2022-142642
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	736 ELM ST, EL CERRITO, CA 94530-3103
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 736 Elm St was $7,677 with a homeowner's exemption.

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		$522,815 (+2%) Land $266,502 Building $256,313
2025	$7,677.00 Homeowner's exemption	$512,565 Land $261,277 Building $251,288
2023	$7,370.00 (+1.67%) Homeowner's exemption	$492,663 Land $251,132 Building $241,531
2022	$7,249.00

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

Flood

FEMA maps place 736 Elm 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.

Wildfire

Wildfire risk around 736 Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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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