769 Bay Tree Ln, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 769 Bay Tree Ln, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,113 sqft · built 1964
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on File
Last Sale	$1,073,000 (May 2017)
Tax Bill	$17,320 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`505-262-035-7`

Property Details

APN / Parcel Number

Primary APN	`505-262-035-7`
Alternative APN	`505-262-035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,113 sqft Living Area
1st Floor Area	1,577 sqft
Basement Area	536 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1965
Lot Area	5,400 sqft (0.124 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	769 BAY TREE LN
City	EL CERRITO
State	CA
Zip	94530-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERKELEY CTRY CLUB TER #2 POR LOTS 465 & 466
Legal Subdivision	BERKELEY CC TERRACE 02
Legal Lot Number	466
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1006
Census Tract	390100

Owner

769 Bay Tree Ln is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 30, 2019	Deed of Trust, Mortgage GUARANTEED RATE
May 30, 2017	Grant Deed, Transfer GUARANTEED RATE
Mar 29, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	Oct 3, 2014 · Amount on File
Deed Document Number	201794840
Prior Transfer Date	Mar 29, 2017
Prior Transfer Doc	0000054467
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039

Mortgage

Document Number	0000305414
Date	Dec 8, 2020
Instrument	2020-305414

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039
Document Number	0000147264
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 18, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	769 BAY TREE LN EL CERRITO CA 945303039, EL CERRITO, CA 94530-3039

Mortgage

Document Number	0000147264
Date	Sep 9, 2019
Instrument	147264

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 30, 2017
Property Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039
Document Number	0000094840
Instrument Date	May 8, 2017
Instrument	94840
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	769 BAY TREE LN EL CERRITO CA 945303039, EL CERRITO, CA 94530-3039

Mortgage

Document Number	94841
Date	May 30, 2017
Instrument	94841

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 29, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 29, 2017
Property Address	769 BAY TREE LN, EL CERRITO, CA 94530-3039
Document Number	0000054467
Instrument Date	Mar 29, 2017
Instrument	54467
Transaction Type	Transfer
Record Updated	Apr 6, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3386 DIABLO CIR PINOLE CA 945641223, PINOLE, CA 94564-1223

Tax Assessment & Valuation

The 2025 property tax bill for 769 Bay Tree Ln was $17,320.

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		$1,270,207 (+2%) Land $969,408 Building $300,799
2025	$17,320.00	$1,245,301 Land $950,400 Building $294,901
2023	$16,604.00 (+1.34%)	$1,196,946 Land $913,496 Building $283,450
2022	$16,385.00

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

Flood

FEMA maps place 769 Bay Tree Ln 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	2 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 769 Bay Tree Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 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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