312 Cottage Ct, Cloverdale, CA 95425 Property Records

Sonoma County property record for 312 Cottage Ct, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,646 sqft · built 2001
Lot Size	0.149 acres (6,490 sqft)
Owner	2 Trust Names on File
Last Sale	$760,000 (Apr 2026)
Tax Bill	$9,684 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-320-008-000`

Property Details

APN / Parcel Number

Primary APN	`115-320-008-000`
Alternative APN	`115-320-008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
Gross Area	3,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	6,490 sqft (0.149 acres)
Garage Type	Attached
Garage Area	639 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	115-320-008
Street Address	312 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 40
Legal Subdivision	COTTAGES OF CLOVERDALE
Legal Block	4
Legal Lot Number	40
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4028
Census Tract	154202

Owner

312 Cottage Ct is owner-occupied and held in a trust since April 2026.

Source: Sonoma County records, as of October 13, 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	2 Trust Names on File
Mailing Address	312 COTTAGE CT, CLOVERDALE, CA 95425-4436
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 28, 2026	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	May 26, 2006 · Amount on File
Deed Document Number	202620568
Prior Transfer Date	May 25, 2006
Prior Transfer Doc	0000066481
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	312 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 COTTAGE CT, CLOVERDALE, CA 95425-4436

Mortgage

Document Number	0000043507
Date	Apr 8, 2021
Instrument	2021043507

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Apr 28, 2026
Property Address	312 COTTAGE CT, CLOVERDALE, CA 95425-4436
Document Number	0000020568
Instrument Date	Apr 21, 2026
Instrument	2026.20568
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,436.00
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	312 COTTAGE CT, CLOVERDALE, CA 95425-4436

Mortgage

Document Number	0000020569,
Date	Apr 28, 2026
Instrument	2026..20569

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	312 COTTAGE CT, CLOVERDALE, CA 95425-4436
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001413
Date	Jan 8, 2020
Instrument	2020001413

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 312 Cottage Ct was $9,684.

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		$760,000 (-0.13%) Land $313,000 Building $447,000
2025	$9,684.00 Homeowner's exemption	$761,000 Land $304,000 Building $457,000
2023	$9,873.00 (+0.28%) Homeowner's exemption	$762,000 Land $305,000 Building $457,000
2022	$9,845.00

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

Flood

FEMA maps place 312 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 312 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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