31610 McCray Rd, Cloverdale, CA 95425 Property Records

Sonoma County property record for 31610 McCray Rd, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,228 sqft · built 1956
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,905 (2025)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`115-150-015-000`

Property Details

APN / Parcel Number

Primary APN	`115-150-015-000`
Alternative APN	`115-150-015`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Gross Area	1,795 sqft
1st Floor Area	1,228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	115-150-015
Street Address	31610 MCCRAY RD
City	CLOVERDALE
State	CA
Zip	95425-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARB8FRZN
Legal Description	UNINCORP COUNTY CA
Legal Subdivision	LAS COLINAS TRACT & SUBDIVISION
Legal Block	2
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	2
Census Block	2010
Census Tract	154201

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	Individual Name on Record
Mailing Address	31610 MCCRAY RD, CLOVERDALE, CA 95425-9503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2012
Deed Sale	Nov 1, 2012
Prior Sale	Dec 16, 2008 · Amount on Record
Deed Document Number	2012108993
Prior Transfer Date	Oct 17, 2012
Prior Transfer Doc	0000108993
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	31610 MCCRAY RD, CLOVERDALE, CA 95425-9503
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	TITLE CONNECT HOME RETENTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31610 MCCRAY RD, CLOVERDALE, CA 95425-9503

Mortgage

Document Number	0000053493
Date	Aug 10, 2022
Instrument	2022053493

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	243 Months
Due	Nov 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$237,526 (+2%) Land $86,642 Building $150,884
2025	$2,905.00 (+2.36%)	$232,870 (+4.04%) Land $84,944 Building $147,926
2023	$2,838.00 (+1.72%)	$223,830 Land $81,647 Building $142,183
2022	$2,790.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	13 (1983–2019)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 7 claims Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 2 claims

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	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20