848 Elm St, El Cerrito, CA 94530 Property Records

Contra Costa County property record for 848 Elm St, El Cerrito, CA 94530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,343 sqft · built 1940
Lot Size	0.115 acres (5,000 sqft)
Owner	Trust Name on File
Tax Bill	$4,681 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`503-244-025-6`

Property Details

APN / Parcel Number

Primary APN	`503-244-025-6`
Alternative APN	`503-244-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,343 sqft Living Area
1st Floor Area	1,343 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1950
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	848 ELM ST
City	EL CERRITO
State	CA
Zip	94530-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLVD GARDENS #1 POR LOT 13 BLK 18
Legal Subdivision	BOULEVARD GARDENS
Legal Tract	1
Legal Block	18
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1012
Census Tract	388000

Owner

848 Elm St is owner-occupied and held in a trust since July 2014.

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

Owner of Record	Trust Name on File
Mailing Address	848 ELM ST, EL CERRITO, CA 94530-2921
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
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage TJ FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 3, 2014
Transfer Doc	0000111884
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	848 ELM ST, EL CERRITO, CA 94530-2921
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SPL PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163724
Date	Sep 7, 2017
Instrument	2017-163724

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	848 ELM ST, EL CERRITO, CA 94530-2921
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 SAN BENITO RD, ALBANY, CA 94707-2436

Mortgage

Document Number	0000083342
Date	Mar 19, 2021
Instrument	2021-083342

Lender

Name	TJ FINANCIAL INC
Type	Funding / Finance Company
Address	MONROVIA, CA 91016

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 848 Elm St was $4,681 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		$285,973 (+2%) Land $217,077 Building $68,896
2025	$4,681.00 Homeowner's exemption	$280,367 Land $212,821 Building $67,546
2023	$4,499.00 (+2.11%) Homeowner's exemption	$269,482 Land $204,558 Building $64,924
2022	$4,406.00

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

Flood

FEMA maps place 848 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 848 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 96% of the US · lower than 97.4% 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 716 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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures