557 Monaco Cir, Cloverdale, CA 95425 Property Records

Sonoma County property record for 557 Monaco Cir, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,519 sqft · built 1990
Lot Size	0.123 acres (5,360 sqft)
Owner	Individual Name on Record
Last Sale	$194,500 (Jun 1991)
Tax Bill	$4,079 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`116-410-010-000`

Property Details

APN / Parcel Number

Primary APN	`116-410-010-000`
Alternative APN	`116-410-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,519 sqft Living Area
1st Floor Area	831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,360 sqft (0.123 acres)
Garage Area	506 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	116-410-010
Street Address	557 MONACO CIR
City	CLOVERDALE
State	CA
Zip	95425-3274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYCL
Legal Description	JEFFERSON SPRINGS PH 2 LOT 10
Legal Subdivision	JEFFERSON SPRINGS
Legal Block	1
Legal Lot Number	10
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	1
Census Block	1038
Census Tract	154202

Owner

Source: Sonoma County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REDWOOD CU
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage SEA WEST COAST GUARD FCU
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 2, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Nov 6, 2017	Quit Claim Deed, Transfer WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC
Nov 6, 2017	Quit Claim Deed, Transfer WESTMINSTER TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 1991 · Amount on Record
Deed Sale	Jun 25, 1991 · Amount on Record
Deed Document Number	199160520
Last Transfer Date	Nov 1, 2017
Transfer Doc	0000085319
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Apr 28, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274

Mortgage

Document Number	0000015686
Date	Apr 13, 2023
Instrument	2023015686

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274

Mortgage

Document Number	0000003971
Date	Jan 19, 2022
Instrument	2022003971

Lender

Name	SEA WEST COAST GUARD FCU
Type	Credit Union
Address	OAKLAND, CA 94605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WESTMINSTER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092890
Date	Dec 4, 2017
Instrument	2017092890

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044592
Date	Jul 2, 2019
Instrument	2019044592

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Document Number	0000033253
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	557 MONACO CIR CLOVERDALE CA 954253274, CLOVERDALE, CA 95425-3274

Mortgage

Document Number	0000033253
Date	May 4, 2020
Instrument	33253

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SONOMA CA
Recording Date	Nov 6, 2017
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Document Number	0000085318
Instrument Date	Nov 1, 2017
Instrument	85318
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SONOMA CA
Recording Date	Nov 6, 2017
Property Address	557 MONACO CIR, CLOVERDALE, CA 95425-3274
Document Number	0000085319
Instrument Date	Nov 1, 2017
Instrument	85319
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	WESTMINSTER TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	557 MONACO CIR CLOVERDALE CA 954253274, CLOVERDALE, CA 95425-3274

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		$329,298 (+2%) Land $110,375 Building $218,923
2025	$4,079.00 (+1.19%) Homeowner's exemption	$322,842 (+4.04%) Land $108,211 Building $214,631
2023	$4,031.00 (+1.84%) Homeowner's exemption	$310,308 Land $104,010 Building $206,298
2022	$3,958.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 68% of the US · above 42% of California
Wildfire Likelihood	0.2% 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.

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 270 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

Cell Coverage

5G (outdoors only) and 4G LTE

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