4070 Montecito Ave, Santa Rosa, CA 95404 Property Records

Sonoma County property record for 4070 Montecito Ave, Santa Rosa, CA 95404

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,593 sqft · built 1976
Lot Size	1 acre (43,995 sqft)
Owner	2 Individual Names on File
Last Sale	$1,075,000 (Apr 2017)
Tax Bill	$14,834 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`181-390-016-000`

Property Details

APN / Parcel Number

Primary APN	`181-390-016-000`
Alternative APN	`181-390-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,593 sqft Living Area
Gross Area	4,076 sqft
1st Floor Area	2,306 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	43,995 sqft
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	181-390-016
Street Address	4070 MONTECITO AVE
City	SANTA ROSA
State	CA
Zip	95404-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR5
Legal Description	REMAP FROM 033-140-080-000 - 09/13/97
Legal Subdivision	RINCON PARK TRACT A
Legal Tract	A
Legal Block	3
Legal Lot Number	28
Jurisdiction	SONOMA CA
Township / Civil Division	SANTA ROSA
Census Block Group	3
Census Block	3004
Census Tract	152300

Owner

4070 Montecito Ave is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Occupancy	Owner Occupied
Owner Type	Individual

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
May 8, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Aug 7, 2017	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 10, 2017	Grant Deed, Transfer · Conventional Mortgage STRATTON R & M TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2017 · Amount on File
Deed Sale	Apr 10, 2017 · Amount on File
Prior Sale	Aug 24, 2000
Deed Document Number	201727378
Prior Transfer Date	Mar 4, 1998
Prior Transfer Doc	0000023485
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924

Mortgage

Document Number	0000019537
Date	May 8, 2023
Instrument	2023019537

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924

Mortgage

Document Number	0000000191
Date	Jan 3, 2022
Instrument	2022000191

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060989
Date	Aug 7, 2017
Instrument	2017060989

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Sep 1, 2024
Index	1-Month LIBOR
Max Rate	9.95%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Document Number	0000010394
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC-OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 MONTECITO AVE SANTA ROSA CA 954041924, SANTA ROSA, CA 95404-1924

Mortgage

Document Number	0000010394
Date	Feb 6, 2019
Instrument	10394

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Apr 10, 2017
Property Address	4070 MONTECITO AVE, SANTA ROSA, CA 95404-1924
Document Number	0000027378
Instrument Date	Mar 31, 2017
Instrument	27378
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4070 MONTECITO AVE SANTA ROSA CA 954041924, SANTA ROSA, CA 95404-1924

Mortgage

Document Number	27379
Date	Apr 10, 2017
Instrument	27379

Lender

Name	STRATTON R & M TRUST (PT)
Address	3110 CALIFORNIA ST, SAN FRANCISCO, CA 94115-2456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4070 Montecito Ave was $14,834 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Elementary School District	Rincon Valley Union Elementary School District (KG - 06)
Secondary School District	Santa Rosa High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,272,576 (+2%) Land $509,029 Building $763,547
2025	$14,834.00 Homeowner's exemption	$1,247,625 Land $499,049 Building $748,576
2023	$14,071.00 (+4.31%) Homeowner's exemption	$1,199,180 Land $479,671 Building $719,509
2022	$13,489.00

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

Flood

FEMA maps place 4070 Montecito Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

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 Claims	3 (2005)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 3 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

Wildfire risk around 4070 Montecito Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 SANTA ROSA serves 178,452 people · EPA ID CA4910009
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	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	None 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 305 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Sonic Telecom, T-Mobile.

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