435 Gamay Dr, Cloverdale, CA 95425 Property Records

Sonoma County property record for 435 Gamay Dr, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 2001
Lot Size	0.14 acres (6,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Oct 2020)
Tax Bill	$7,879 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Sep 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`116-500-068-000`

Property Details

APN / Parcel Number

Primary APN	`116-500-068-000`
Alternative APN	`116-500-068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	1,848 sqft
1st Floor Area	1,386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	L-Shape
Lot Area	6,096 sqft (0.14 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	116-500-068
Street Address	435 GAMAY DR
City	CLOVERDALE
State	CA
Zip	95425-3635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2000 FM 116-120-013 VINTAGE MEADOWS LOT 68
Legal Subdivision	VINTAGE MEADOWS
Legal Block	3
Legal Lot Number	68
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	3
Census Block	3004
Census Tract	154202

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	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Sep 26, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage REDWOOD CU
Oct 16, 2020	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 11, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 11, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Apr 27, 2001 · Amount on Record
Deed Document Number	202094367
Last Transfer Date	Sep 20, 2022
Transfer Doc	0000062384
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635

Mortgage

Document Number	0000007100
Date	Feb 13, 2026
Instrument	2026007100

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Sep 26, 2022
Property Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Document Number	0000062384
Map Reference	MB 599 PG 11-17
Instrument Date	Sep 20, 2022
Instrument	2022062384
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	435 GAMAY DR, CLOVERDALE, CA 95425-3635

Mortgage

Document Number	0000062385
Date	Sep 26, 2022
Instrument	2022062385

Lender

Name	REDWOOD CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2032

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Oct 16, 2020
Property Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Document Number	0000094367
Map Reference	MB 599 PG 11-17
Instrument Date	Oct 6, 2020
Instrument	2020094367
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635

Mortgage

Document Number	0000094368
Date	Oct 16, 2020
Instrument	2020094368

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Document Number	0000064611
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	435 GAMAY DR CLOVERDALE CA 954253635, CLOVERDALE, CA 95425-3635

Mortgage

Document Number	0000064611
Date	Aug 18, 2017
Instrument	64611

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	732 Months
Due	Aug 17, 2078

Interest

Rate Type	Adjustable Rate
Rate	3.72%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	435 GAMAY DR, CLOVERDALE, CA 95425-3635
Document Number	0000064610
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	435 GAMAY DR CLOVERDALE CA 954253635, CLOVERDALE, CA 95425-3635

Mortgage

Document Number	0000064610
Date	Aug 18, 2017
Instrument	64610

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	732 Months
Due	Aug 17, 2078

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$612,760 (+2%) Land $245,103 Building $367,657
2025	$7,879.00 (+3.13%)	$600,747 (+4.04%) Land $240,298 Building $360,449
2023	$7,640.00 (+1.64%)	$577,421 Land $230,968 Building $346,453
2022	$7,517.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 467 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.

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