306 Cottage Ct, Cloverdale, CA 95425 Property Records

Sonoma County property record for 306 Cottage Ct, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,886 sqft · built 2002
Lot Size	0.187 acres (8,122 sqft)
Owner	Trust Name on File
Last Sale	$225,000 (Oct 2014)
Tax Bill	$7,063 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`115-320-005-000`

Property Details

APN / Parcel Number

Primary APN	`115-320-005-000`
Alternative APN	`115-320-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 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	8,122 sqft (0.187 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	115-320-005
Street Address	306 COTTAGE CT
City	CLOVERDALE
State	CA
Zip	95425-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	01 FM116-320-072 COTTAGES OF CLOVERDALE PH 1 LT 37
Legal Subdivision	COTTAGES OF CLOVERDALE
Legal Block	4
Legal Lot Number	37
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4028
Census Tract	154202

Owner

306 Cottage Ct is owner-occupied and held in a trust since October 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	306 COTTAGE CT, CLOVERDALE, CA 95425-4436
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2014 · Amount on File
Deed Sale	Oct 1, 2014 · Amount on File
Prior Sale	Mar 24, 2010 · Amount on File
Deed Document Number	201469769
Prior Transfer Date	Jan 30, 2009
Prior Transfer Doc	0000009728
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	306 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	TITLE CONNECT CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 COTTAGE CT, CLOVERDALE, CA 95425-4436

Mortgage

Document Number	0000118454
Date	Oct 29, 2021
Instrument	2021118454

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 306 Cottage Ct was $7,063 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		$551,635 (+2%) Land $220,654 Building $330,981
2025	$7,063.00 Homeowner's exemption	$540,820 Land $216,328 Building $324,492
2023	$6,908.00 (+2.33%) Homeowner's exemption	$519,822 Land $207,929 Building $311,893
2022	$6,751.00

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

Flood

FEMA maps place 306 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 306 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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