Sonoma County property record for 409 Oak St, Penngrove, CA 94951
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,620 sqft · built 1912 |
| Lot Size | 0.457 acres (19,901 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,879 (2025) |
| Deeds & Mortgages | Mar 2017 Reverse Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-164-016-000 |
| Primary APN | 047-164-016-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 19,901 sqft (0.457 acres) |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 047-164-016 |
|---|---|
| Street Address | 409 OAK ST |
| City | PENNGROVE |
| State | CA |
| Zip | 94951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R14UA23 |
| Legal Description | 83 FM 47-164-09 & PT TO 17 PM 7608 |
| Legal Block | 2 |
| Jurisdiction | SONOMA CA |
| Township / Civil Division | PETALUMA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 150607 |
409 Oak St is owned and occupied by two individuals who acquired it in January 2002.
Source: Sonoma County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 813, PENNGROVE, CA 94951-0813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 23, 2017 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN PACIFIC MORTGAGE |
| Mar 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 3, 2002 |
| Transfer Doc | 0000003976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SONOMA CA |
| Property Address | 409 OAK ST, PENNGROVE, CA 94951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022323 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 2017022323 |
| Name | AMERICAN PACIFIC MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.31% |
| Type Change Date | Apr 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SONOMA CA |
| Property Address | 409 OAK ST, PENNGROVE, CA 94951 |
| Document Number | 0000022324 |
| Instrument Date | Mar 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | SPL INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 OAK ST PENNGROVE CA 94951, PENNGROVE, CA 94951 |
| Document Number | 0000022324 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 22324 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.31% |
The 2025 property tax bill for 409 Oak St was $4,879 with a homeowner's exemption.
Source: Sonoma County assessment roll, as of September 1, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sonoma County |
| Elementary School District | Petaluma City Elementary School District (KG - 06) |
| Secondary School District | Petaluma Joint Union High School District (07 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $187,127 (+2%) Land $90,865 Building $96,262 | |
| 2025 | $4,879.00 Homeowner's exemption | $183,459 Land $89,084 Building $94,375 |
| 2023 | $4,281.00 (+4.21%) Homeowner's exemption | $176,337 Land $85,626 Building $90,711 |
| 2022 | $4,108.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 409 Oak St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1982.
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 |
| Flood Insurance Cost | Premium on File median of 43 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 19 (1982–2008) |
| Claims Outside the SFHA | 2 of 19 |
| Most Recent Claim | Jan 2008 · rainfall accumulation |
| Claims by Event |
|
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 risk around 409 Oak St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 69% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PENNGROVE WATER COMPANY (PUC) private · serves 1,742 people · EPA ID CA4910003 |
|---|---|
| Water Source | Purchased groundwater from SONOMA COUNTY WATER AGENCY |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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