550 W School St, Cotati, CA 94931 Property Records

Sonoma County property record for 550 W School St, Cotati, CA 94931

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,070 sqft · built 1905
Lot Size	0.409 acres (17,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`144-230-022-000`

Property Details

APN / Parcel Number

Primary APN	`144-230-022-000`
Alternative APN	`144-230-022`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,070 sqft Living Area
Gross Area	2,646 sqft
1st Floor Area	1,270 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Wood
Lot Area	17,810 sqft (0.409 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	144-230-022
Street Address	550 W SCHOOL ST
City	COTATI
State	CA
Zip	94931-4176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYCO
Legal Description	78 FORM 144-230-14 C/W PT OF 05 & 07 PER MD
Legal Subdivision	SUBDIVISION #4 COTATI RANCHO
Legal Block	2
Jurisdiction	SONOMA CA
Township / Civil Division	PETALUMA
Census Block Group	2
Census Block	2010
Census Tract	151206

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	550 W SCHOOL ST, COTATI, CA 94931-4176
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage EXCHANGE BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jul 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 16, 2012
Transfer Doc	0000030131
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	550 W SCHOOL ST, COTATI, CA 94931-4176
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100410
Date	Dec 28, 2017
Instrument	2017100410

Lender

Name	EXCHANGE BANK
Type	Bank
Address	SANTA ROSA, CA 95402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	550 W SCHOOL ST, COTATI, CA 94931-4176
Document Number	0000032565
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	550 W SCHOOL ST COTATI CA 949314176, COTATI, CA 94931-4176

Mortgage

Document Number	0000032565
Date	Apr 30, 2020
Instrument	32565

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	550 W SCHOOL ST, COTATI, CA 94931-4176
Document Number	0000054394
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	550 W SCHOOL ST COTATI CA 949314176, COTATI, CA 94931-4176

Mortgage

Document Number	0000054394
Date	Jul 31, 2018
Instrument	54394

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 30, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$199,119 (+2%) Land $46,188 Building $152,931
2025	$2,610.00 (+3.28%) Homeowner's exemption	$195,216 (+4.04%) Land $45,283 Building $149,933
2023	$2,527.00 (+1.9%) Homeowner's exemption	$187,638 Land $43,526 Building $144,112
2022	$2,480.00

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	1 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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.01% 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 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

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 154 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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