302 Cottage Ct, Cloverdale, CA 95425 Property Records

Sonoma County property record for 302 Cottage Ct, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,886 sqft · built 2002
Lot Size	0.264 acres (11,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Oct 2018)
Tax Bill	$10,319 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115-320-003-000`

Property Details

APN / Parcel Number

Primary APN	`115-320-003-000`
Alternative APN	`115-320-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,886 sqft Living Area
Gross Area	2,406 sqft
1st Floor Area	1,886 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	11,492 sqft (0.264 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	115-320-003
Street Address	302 COTTAGE CT
City	CLOVERDALE
State	CA
Zip	95425-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	01 FM115-240-024 COTTAGES OF CLOVERDALE PH 1 LT 35
Legal Subdivision	COTTAGES OF CLOVERDALE
Legal Block	4
Legal Lot Number	35
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4028
Census Tract	154202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	302 COTTAGE CT, CLOVERDALE, CA 95425-4436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 24, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Jun 4, 2012 · Amount on Record
Deed Document Number	201873876
Prior Transfer Date	May 29, 2002
Prior Transfer Doc	0000085687
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	302 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079184
Date	Nov 16, 2018
Instrument	2018079184

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	302 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048510
Date	Jul 16, 2019
Instrument	2019048510

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	302 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057923
Date	Jul 15, 2020
Instrument	2020057923

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Oct 24, 2018
Property Address	302 COTTAGE CT, CLOVERDALE, CA 95425-4436
Document Number	0000073876
Instrument Date	Oct 19, 2018
Instrument	73876
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$803.00
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	302 COTTAGE CT CLOVERDALE CA 954254436, CLOVERDALE, CA 95425-4436

Tax Assessment & Valuation

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		$830,612 (+2%) Land $312,901 Building $517,711
2025	$10,319.00 (+1.9%) Homeowner's exemption	$814,326 (+4.04%) Land $306,766 Building $507,560
2023	$10,127.00 (+2.18%) Homeowner's exemption	$782,705 Land $294,854 Building $487,851
2022	$9,911.00

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

Flood

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
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

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

Wildfire Risk	High above 75% of the US · above 51% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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