Sonoma County property record for 411 Matteri Cir, Cotati, CA 94931
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,567 sqft · built 2005 |
| Lot Size | 0.062 acres (2,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $579,000 (Sep 2020) |
| Tax Bill | $7,611 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 144-780-053-000 |
| Primary APN | 144-780-053-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,567 sqft Living Area |
| Gross Area | 2,002 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Lot Area | 2,700 sqft (0.062 acres) |
| Garage Type | Attached |
| Garage Area | 435 sqft |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 144-780-053 |
|---|---|
| Street Address | 411 MATTERI CIR |
| City | COTATI |
| State | CA |
| Zip | 94931-4489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2005FM144-780-035 AMEND.HERITAGE GARDENS SUB LOT18 |
| Legal Subdivision | HERITAGE GARDENS SUB |
| Legal Block | 4 |
| Legal Lot Number | 18 |
| Jurisdiction | SONOMA CA |
| Township / Civil Division | PETALUMA |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 151203 |
Source: Sonoma County records, as of June 22, 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 | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC |
| Jan 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 21, 2020 | Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Jun 16, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Prior Sale | Mar 10, 2009 · Amount on Record |
| Deed Document Number | 202084324 |
| Prior Transfer Date | Jun 9, 2020 |
| Prior Transfer Doc | 0000047479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SONOMA CA |
| Recording Date | Jun 15, 2026 |
| Property Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000029574 |
| Instrument Date | Jun 7, 2026 |
| Instrument | 202629574 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000029574, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 202629574 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SONOMA CA |
| Property Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000002334 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 2022002334 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SONOMA CA |
| Property Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000007992 |
|---|---|
| Date | Jan 31, 2017 |
| Instrument | 2017007992 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SONOMA CA |
| Recording Date | Sep 21, 2020 |
| Property Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000084324 |
| Map Reference | MB 671 PG 18-28 |
| Instrument Date | Sep 9, 2020 |
| Instrument | 2020084324 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $636.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000084325 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 2020084325 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SONOMA CA |
| Recording Date | Jun 16, 2020 |
| Property Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000047479 |
| Map Reference | MB 671 PGS 18-28 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 2020047479 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 411 MATTERI CIR, COTATI, CA 94931-4489 |
| Document Number | 0000047480 |
|---|---|
| Date | Jun 16, 2020 |
| Instrument | 2020047480 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Sonoma County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sonoma County |
| Municipality | Cotati City |
| Unified School District | Cotati-Rohnert Park Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,611.00 (+2.96%) | $626,725 (+4.04%) Land $216,485 Building $410,240 |
| 2023 | $7,392.00 (+1.76%) | $602,391 Land $208,080 Building $394,311 |
| 2022 | $7,264.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF COTATI serves 7,290 people · EPA ID CA4910016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2024–2026) 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 679 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, Fixed Wireless in parts of the area | 100 / 20 |
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