303 Cottage Ct, Cloverdale, CA 95425 Property Records

Sonoma County property record for 303 Cottage Ct, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,464 sqft · built 2002
Lot Size	0.217 acres (9,434 sqft)
Owner	2 Trust Names on File
Last Sale	$395,000 (Feb 2013)
Tax Bill	$6,415 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-310-031-000`

Property Details

APN / Parcel Number

Primary APN	`115-310-031-000`
Alternative APN	`115-310-031`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	2,969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,434 sqft (0.217 acres)
Garage Type	Attached
Garage Area	505 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	115-310-031
Street Address	303 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 31
Legal Subdivision	COTTAGES OF CLOVERDALE
Legal Block	4
Legal Lot Number	31
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4028
Census Tract	154202

Owner

303 Cottage Ct is owner-occupied and held in a trust since May 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Aug 10, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Aug 10, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2013 · Amount on File
Deed Sale	Feb 15, 2013 · Amount on File
Prior Sale	Dec 17, 2010 · Amount on File
Deed Document Number	201316363
Last Transfer Date	May 26, 2026
Transfer Doc	0000040772
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Aug 10, 2026
Property Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436
Document Number	0000040772
Instrument Date	May 26, 2026
Instrument	202640772
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SONOMA CA
Recording Date	Aug 10, 2026
Property Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436
Document Number	0000040773
Instrument Date	May 26, 2026
Instrument	202640773
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 COTTAGE CT, CLOVERDALE, CA 95425-4436

Mortgage

Document Number	0000025287
Date	Mar 3, 2021
Instrument	2021025287

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 303 Cottage Ct was $6,415.

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		$496,128 (+2%) Land $198,450 Building $297,678
2025	$6,415.00 Homeowner's exemption	$486,401 Land $194,559 Building $291,842
2023	$6,267.00 (+2.35%) Homeowner's exemption	$467,515 Land $187,005 Building $280,510
2022	$6,123.00

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

Flood

FEMA maps place 303 Cottage Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 303 Cottage Ct is high, ranking above 75% of the US, with a 0.4% annual chance of 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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