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645 Wilford Cir, Cotati, CA 94931 Property Records

Sonoma County property record for 645 Wilford Cir, Cotati, CA 94931 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,759 sqft · built 1990
Lot Size0.094 acres (4,101 sqft)
OwnerIndividual Name on File
Last Sale$751,000 (Jan 2022)
Tax Bill$9,553 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Oct 2017 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN144-700-023-000

Property Details

APN / Parcel Number

Primary APN144-700-023-000
Alternative APN
  • 144-700-023

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area1,759 sqft Living Area
Gross Area2,193 sqft
1st Floor Area963 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1999
Architectural StyleCustom Design
Construction TypeWood
Lot Area4,101 sqft (0.094 acres)
Garage TypeAttached
Garage Area434 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Old Parcel Number144-700-023
Street Address645 WILFORD CIR
CityCOTATI
StateCA
Zip94931-5179
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPARK PLACE SUB LOT 23
Legal SubdivisionPARK PLACE SUB
Legal Block2
Legal Lot Number23
JurisdictionSONOMA CA
Township / Civil DivisionPETALUMA
Census Block Group2
Census Block2004
Census Tract151204

Owner

Source: Sonoma County records · APN 144-700-023-000

Assessment roll updated April 13, 2026 · Last verified May 2026

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

Owner of RecordIndividual Name on File
Mailing Address630 TRUMBULL AVE, NOVATO, CA 94947-3747
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2022Grant Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Oct 06, 2017Grant Deed, Transfer · Conventional Mortgage
OPES ADVISORS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 31, 2022 · Amount on Record
Deed SaleJan 31, 2022 · Amount on Record
Prior SaleOct 06, 2017 · Amount on Record
Deed Document Number20227501
Prior Transfer DateSep 22, 1998
Prior Transfer Doc0000114457
Record UpdatedJun 08, 2026

January 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSONOMA CA
Recording DateJan 31, 2022
Property Address645 WILFORD CIR, COTATI, CA 94931-5179
Document Number0000007501
Map ReferenceMB 432 PG 12-14
Instrument DateJan 21, 2022
Instrument2022007501
Transaction TypeTransfer
Record UpdatedFeb 14, 2022
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$826.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 WILFORD CIR, COTATI, CA 94931-5179

Mortgage

Document Number0000007502
DateJan 31, 2022
Instrument2022007502
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSONOMA CA
Recording DateOct 06, 2017
Property Address645 WILFORD CIR, COTATI, CA 94931-5179
Document Number0000078850
Instrument DateSep 29, 2017
Instrument78850
Transaction TypeTransfer
Record UpdatedNov 20, 2018
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$627.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 WILFORD CIR COTATI CA 949315179, COTATI, CA 94931-5179

Mortgage

Document Number78851
DateOct 06, 2017
Instrument78851
Lender
NameOPES ADVISORS
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 05, 2047

Tax Assessment & Valuation

Source: Sonoma County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySonoma County
MunicipalityCotati City
Unified School DistrictCotati-Rohnert Park Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$9,553.00 (+2.94%)$796,966 (+4.04%) Land $318,892 Building $478,074
2023$9,280.00 (+23.72%)$766,020 Land $306,510 Building $459,510
2022$7,501.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sonoma County (06097C), updated February 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060971512042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 26 individual NFIP policies nearby
Nearby Flood Policies26 in force
Nearby Flood Claims1 (2012)
Most Recent ClaimDec 2012, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 553 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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