412 Lake St, Cloverdale, CA 95425 Property Records

Sonoma County property record for 412 Lake St, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1908
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on File
Last Sale	$330,636 (Dec 2008)
Tax Bill	$2,853 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-195-024-000`

Property Details

APN / Parcel Number

Primary APN	`001-195-024-000`
Alternative APN	`001-195-024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1922
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,800 sqft (0.202 acres)
Garage Area	231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	001-195-024
Street Address	412 LAKE ST
City	CLOVERDALE
State	CA
Zip	95425-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYCL
Legal Description	75 FORM 1-195-08 PT TO 25 LIS PENDENS M/D
Legal Subdivision	DOYLE & OVERTONS ADD
Legal Block	4
Legal Lot Number	8
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	4
Census Block	4017
Census Tract	154201

Owner

412 Lake St is owned and occupied by two individuals who bought it in December 2008.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	412 LAKE ST, CLOVERDALE, CA 95425-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 30, 2017	Intrafamily Transfer, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2008 · Amount on File
Deed Sale	Dec 5, 2008 · Amount on File
Prior Sale	Jan 16, 2008 · Amount on File
Deed Document Number	2008107687
Prior Transfer Date	Dec 26, 2007
Prior Transfer Doc	0000003764
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	412 LAKE ST, CLOVERDALE, CA 95425-3716
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 LAKE ST, CLOVERDALE, CA 95425-3716

Mortgage

Document Number	0000026476
Date	Apr 13, 2022
Instrument	2022026476

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	May 30, 2017
Property Address	412 LAKE ST, CLOVERDALE, CA 95425-3716
Document Number	0000041590
Instrument Date	May 22, 2017
Instrument	2017041590
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 LAKE ST, CLOVERDALE, CA 95425-3716

Mortgage

Document Number	0000041591
Date	May 30, 2017
Instrument	2017041591

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 412 Lake St was $2,853.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$217,107 (+2%) Land $78,803 Building $138,304
2025	$2,853.00	$212,851 Land $77,258 Building $135,593
2023	$2,822.00 (+1.77%)	$204,588 Land $74,259 Building $130,329
2022	$2,773.00

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

Flood

FEMA maps place 412 Lake St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1979–2019)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 412 Lake St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 CLOVERDALE private · serves 8,710 people · EPA ID CA4910002
Water Source	Groundwater influenced by surface water
Lead	Under 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	1 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 182 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

May also be available: AT&T.

Nearby Properties on Lake St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures