581 Monaco Cir, Cloverdale, CA 95425 Property Records

Sonoma County property record for 581 Monaco Cir, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 1990
Lot Size	0.144 acres (6,282 sqft)
Owner	2 Company Names on Record
Last Sale	$167,000 (Jan 1999)
Tax Bill	$4,196 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jan 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`116-410-022-000`

Property Details

APN / Parcel Number

Primary APN	`116-410-022-000`
Alternative APN	`116-410-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,282 sqft (0.144 acres)
Garage Area	410 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	116-410-022
Street Address	581 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 22
Legal Subdivision	JEFFERSON SPRINGS
Legal Block	1
Legal Lot Number	22
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 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 Company Names on Record
Mailing Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Intrafamily Transfer, Transfer
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 1999 · Amount on Record
Deed Sale	Jan 25, 1999 · Amount on Record
Prior Sale	Oct 24, 1990 · Amount on Record
Deed Document Number	19999414
Prior Transfer Date	Jan 4, 1999
Prior Transfer Doc	0000009414
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Jan 22, 2024
Property Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274
Document Number	0000002896
Map Reference	MB 457 PG 44-48
Instrument Date	Jan 17, 2024
Instrument	2024002896
Transaction Type	Transfer
Record Updated	Feb 6, 2024

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
Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003011
Date	Jan 16, 2018
Instrument	2018003011

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	Jan 7, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015554
Date	Feb 28, 2020
Instrument	2020015554

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 MONACO CIR, CLOVERDALE, CA 95425-3274

Mortgage

Document Number	0000006541
Date	Jan 21, 2021
Instrument	2021006541

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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		$339,382 (+2%) Land $134,278 Building $205,104
2025	$4,196.00 (+1.18%) Homeowner's exemption	$332,729 (+4.04%) Land $131,646 Building $201,083
2023	$4,147.00 (+1.84%) Homeowner's exemption	$319,811 Land $126,535 Building $193,276
2022	$4,072.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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