643 Olive St, Santa Rosa, CA 95407 Property Records

Sonoma County property record for 643 Olive St, Santa Rosa, CA 95407

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 1.5 ba · 973 sqft · built 1984
Lot Size	0.024 acres (1,045 sqft)
Owner	Individual Name on Record
Last Sale	$88,500 (Feb 2011)
Tax Bill	$1,240 (2025)
Deeds & Mortgages	Dec 2018 Reverse Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-471-024-000`

Property Details

APN / Parcel Number

Primary APN	`010-471-024-000`
Alternative APN	`010-471-024`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	973 sqft Living Area
1st Floor Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,045 sqft (0.024 acres)
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	010-471-024
Street Address	643 OLIVE ST
City	SANTA ROSA
State	CA
Zip	95407-6119
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	CITYSR
Legal Description	WALNUT GROVE TOWNHOUSES LOT 13
Legal Subdivision	WALNUT GROVE TOWNHOUSES
Legal Block	1
Legal Lot Number	13
Jurisdiction	SONOMA CA
Township / Civil Division	SANTA ROSA
Census Block Group	1
Census Block	1010
Census Tract	153104

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	Individual Name on Record
Mailing Address	643 OLIVE ST, SANTA ROSA, CA 95407-6119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 14, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2011 · Amount on Record
Deed Sale	Feb 18, 2011 · Amount on Record
Prior Sale	Oct 27, 2008 · Amount on Record
Deed Document Number	201116491
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	0000076257
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	643 OLIVE ST, SANTA ROSA, CA 95407-6119
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NORTH COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086200
Date	Dec 19, 2018
Instrument	2018086200

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	917 Months
Due	May 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.6%
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	643 OLIVE ST, SANTA ROSA, CA 95407-6119
Document Number	0000086201
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NORTHERN COAST TITLE, NORTH COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 OLIVE ST SANTA ROSA CA 954076119, SANTA ROSA, CA 95407-6119

Mortgage

Document Number	0000086201
Date	Dec 19, 2018
Instrument	86201

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Dec 18, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.6%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Municipality	Santa Rosa City
Elementary School District	Santa Rosa Elementary School District (KG - 06)
Secondary School District	Santa Rosa High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$115,243 (+2%) Land $45,729 Building $69,514
2025	$1,240.00 (+3.33%) Homeowner's exemption	$112,984 (+4.04%) Land $44,833 Building $68,151
2023	$1,200.00 (+6.67%) Homeowner's exemption	$108,598 Land $43,093 Building $65,505
2022	$1,125.00

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	Not rated no burnable land 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 SANTA ROSA serves 178,452 people · EPA ID CA4910009
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	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	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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Sonic Telecom.

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