113 Kay Ct, Cloverdale, CA 95425 Property Records

Sonoma County property record for 113 Kay Ct, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,450 sqft · built 1986
Lot Size	0.277 acres (12,076 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jan 2017)
Tax Bill	$7,005 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`116-360-001-000`

Property Details

APN / Parcel Number

Primary APN	`116-360-001-000`
Alternative APN	`116-360-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,450 sqft Living Area
1st Floor Area	699 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,076 sqft (0.277 acres)
Garage Area	441 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	116-360-001
Street Address	113 KAY CT
City	CLOVERDALE
State	CA
Zip	95425-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYCL
Legal Description	84 FM 116-060-07 08 60&65 CRYSTAL CREEK SUB 116-36
Legal Subdivision	CRYSTAL CREEK SUB
Legal Block	4
Legal Lot Number	1
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4000
Census Tract	154201

Owner

113 Kay Ct is owned and occupied by two individuals who bought it in January 2017.

Source: Sonoma County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	113 KAY CT, CLOVERDALE, CA 95425-3423
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
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 6, 2017	Grant Deed, Transfer · Conventional Mortgage PROSPECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017 · Amount on File
Deed Sale	Jan 6, 2017 · Amount on File
Deed Document Number	20171301
Prior Transfer Date	Jun 16, 2003
Prior Transfer Doc	0000126433
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	113 KAY CT, CLOVERDALE, CA 95425-3423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020055
Date	Mar 16, 2020
Instrument	2020020055

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jan 6, 2017
Property Address	113 KAY CT, CLOVERDALE, CA 95425-3423
Document Number	0000001301
Map Reference	MAP351 PG29-31
Instrument Date	Dec 30, 2016
Instrument	2017001301
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	113 KAY CT, CLOVERDALE, CA 95425-3423

Mortgage

Document Number	0000001302
Date	Jan 6, 2017
Instrument	2017001302

Lender

Name	PROSPECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 113 Kay Ct was $7,005 with a homeowner's exemption.

Source: Sonoma County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Municipality	Cloverdale City
Unified School District	Cloverdale Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$580,054 (+2%) Land $266,350 Building $313,704
2025	$7,005.00 Homeowner's exemption	$568,681 Land $261,128 Building $307,553
2023	$6,924.00 (+1.85%) Homeowner's exemption	$546,600 Land $250,989 Building $295,611
2022	$6,798.00

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

Flood

FEMA maps place 113 Kay Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective February 15, 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1979–2019)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 113 Kay Ct is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.06% 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	CITY OF CLOVERDALE private · serves 8,710 people · EPA ID CA4910002
Water Source	Groundwater influenced by surface water
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kay Ct

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