8898 Oak Trail Dr, Santa Rosa, CA 95409 Property Records

Sonoma County property record for 8898 Oak Trail Dr, Santa Rosa, CA 95409

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,230 sqft · built 1981
Lot Size	0.089 acres (3,891 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (May 2017)
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-640-027-000`

Property Details

APN / Parcel Number

Primary APN	`016-640-027-000`
Alternative APN	`016-640-027`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area
Gross Area	1,670 sqft
1st Floor Area	1,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,891 sqft (0.089 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	016-640-027
Street Address	8898 OAK TRAIL DR
City	SANTA ROSA
State	CA
Zip	95409-6453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYSR
Legal Description	LOT 27 OAKMONT NO 14-C
Legal Subdivision	OAKMONT
Legal Block	1
Legal Lot Number	27
Jurisdiction	SONOMA CA
Township / Civil Division	SANTA ROSA
Census Block Group	1
Census Block	1009
Census Tract	151602

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	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REDWOOD CU
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 24, 2018	Deed of Trust, Mortgage · Line of Credit HOME EQUITY LNDG
May 17, 2017	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Prior Sale	Mar 22, 2016 · Amount on Record
Deed Document Number	201738542
Prior Transfer Date	Apr 14, 2003
Prior Transfer Doc	0000079159
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453
Transaction Type	Mortgage
Record Updated	Mar 15, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453

Mortgage

Document Number	0000008856
Date	Feb 29, 2024
Instrument	2024008856

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2039

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453

Mortgage

Document Number	0000079484
Date	Jul 9, 2021
Instrument	2021079484

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453
Document Number	0000031419
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8898 OAK TRAIL DR SANTA ROSA CA 954096453, SANTA ROSA, CA 95409-6453

Mortgage

Document Number	0000031419
Date	May 8, 2018
Instrument	31419

Lender

Name	HOME EQUITY LNDG
Type	Funding / Finance Company
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	May 17, 2017
Property Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453
Document Number	0000038542
Map Reference	MAP292 PG9-11
Instrument Date	Feb 13, 2017
Instrument	2017038542
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8898 OAK TRAIL DR, SANTA ROSA, CA 95409-6453

Mortgage

Document Number	0000038543
Date	May 17, 2017
Instrument	2017038543

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	Kenwood 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		$520,865 (+2%) Land $153,891 Building $366,974
2025	$5,724.00 (+3.55%) Homeowner's exemption	$510,653 (+4.04%) Land $150,874 Building $359,779
2023	$5,528.00 (+6.92%) Homeowner's exemption	$490,825 Land $145,016 Building $345,809
2022	$5,170.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (1995–2005)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 4 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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