31830 McCray Rd, Cloverdale, CA 95425 Property Records

Sonoma County property record for 31830 McCray Rd, Cloverdale, CA 95425

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 1,840 sqft · built 1947
Lot Size	5.42 acres (236,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Jun 2004)
Tax Bill	$12,069 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`115-180-007-000`

Property Details

APN / Parcel Number

Primary APN	`115-180-007-000`
Alternative APN	`115-180-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Basement Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	236,530 sqft
Garage Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	115-180-007
Street Address	31830 MCCRAY RD
City	CLOVERDALE
State	CA
Zip	95425-9539
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARB8FRZN
Legal Description	MAP C2 2
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	2 Individual Names on Record
Mailing Address	31830 MCCRAY RD, CLOVERDALE, CA 95425-9539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2004 · Amount on Record
Deed Sale	Jun 28, 2004 · Amount on Record
Prior Sale	Oct 6, 1998 · Amount on Record
Deed Document Number	200498826
Prior Transfer Date	Sep 3, 1997
Prior Transfer Doc	0000093476
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	31830 MCCRAY RD, CLOVERDALE, CA 95425-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31830 MCCRAY RD, CLOVERDALE, CA 95425-9539

Mortgage

Document Number	0000085420
Date	Sep 23, 2020
Instrument	2020085420

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 10, 2050

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		$1,073,150 (+2%) Land $362,548 Building $710,602
2025	$12,069.00 (+2.51%) Homeowner's exemption	$1,052,109 (+4.04%) Land $355,440 Building $696,669
2023	$11,773.00 (+1.85%) Homeowner's exemption	$1,011,256 Land $341,639 Building $669,617
2022	$11,559.00

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	Yes
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	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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 70 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