LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in Sonoma County, California sells for about $772,000, or $537 per square foot.

Prices are down 3.4% from a year ago, which gives buyers more room to negotiate. Homes take about 55 days to sell. Over the long run, values in this county have grown 150% since 2000. Last year 61 of 119 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is earthquake, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $2,819 a month.

HUD sets the fair market rent for a 2-bedroom at $2,819 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively High.

Price climate

Every year of price change, 2000–2025

0%

2025

200020132025

Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2000 (+25.5%). Worst: 2008 (-16.8%). Hover to read a year.

Monthly price momentum

Home values since 2015

+0.5%

CA · past 12 months

CA 190.8USA 208.1
20152017201920212023202595125155213.5

Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.

Rent benchmark

Fair market rent by size

$3,903

3-bed / month

$1,980
Studio
$2,155
1 bed
$2,819
2 bed
$3,903
3 bed
$4,295
4 bed
Gross rental yield · 3-bed rent × 12 ÷ $772,0006.1%

HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.

Neighborhood price trend

Long-run price trend, 2000–2025

0%

2025 change

200020052010201520202025-30%-15%0%15%30%

FHFA repeat-sales index, median of 119 census tracts in this county (2000 = 100). Bars are each year's median change.

Natural hazard exposure

The area's risk shape

93

Relatively High

EarthquakeRiverine floodingWildfireLandslideVolcanic activityHeat waveLightningWinter weather

FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $604,686,310.

Mortgage activity

Home lending in this county

83.6%

2019 approval rate

YearApplicationsLoans madeApprovalInvestor shareMedian home value
2018225351249979.3%9.3%$645,000
201928108▲16380▲83.6%▲8.3%▼$655,000▲

CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.

County intel report · monthly refresh cycle
Track this county

Sonoma County, California

Santa Rosa market · minorrefreshed Oct 17, 2026, 12:03 PM2 refresh cycles retainednext refresh due Jan 15, 2027
Market sentiment: cautious

The Sonoma County housing market is experiencing a cooling trend with home prices declining 3.4% year-over-year. Inventory remains constrained with over 2,000 active listings, while the median days on market has reached 55 days.

No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).

The data chain · drill up or downproperty → ZIP → city → county → state
California state →Santa Rosa market →Sonoma County

Select a city to expand its ZIP intel reports beneath · 32 cities · 49 ZIP reports

Latest readings
Median sale price
$772,000
Corroboration pending — anchor baseline forms on the first refresh cycles
Median price / sq ft
$537
Median days on market
55
Active listings
2,166
Median price change YoY
-3.4%
Median asking rent
$2,900/mo
Population
488,863
Median household income
$104,674
County Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
75
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
52
Growth/100

Median prices moved up 0.5% year over year.

80
Liquidity/100

Homes spend a median of 57 days on market with 0.1 months of supply — a fast-moving market.

66
Momentum/100

0% of listings have cut prices · homes sell at 93.02% of asking — demand is running ahead of supply.

100
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) — a stable, low-distress profile.

Deterministic roll-up
49 of 49 ZIP reports contributed
Median sale price
$755,653
Median price / sq ft
$533
Median days on market
56.61
Active listings
96,108
Listings with price cuts
0.48%
Median price change YoY
+0.47%
Closed sales (monthly)
12,981
Months of supply
0.09
Sale-to-list ratio
93.02%
Median asking rent
$2,828/mo
Population
4,850,618
Median household income
$97,496

Deterministic aggregate of 49 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.

Property base layer · rolled up from researched properties1 researched property · latest reading each
Researched properties
1
distinct addresses on the base layer
Median observed value
$1,449,788
normalized current value readings
Median observed rent
$16,950
monthly, where determinable
County-record distress flags
0
pre-foreclosure · foreclosure · REO · lien · judgment

Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 19, 2026.

ZIP roster · every intel report in the county49 of 49 ZIPs researched
Sort
94922Bodega
Median price
$1,349,000
$/sqft
$561
Trend YoY
+1.3%
Days on mkt
49
Sale-to-list
100.2%
Price cuts
19%
Supply (mo)
2.8
Listings
40
Median rent
$2,152

researched Sep 25

94923Bodega Bay
Median price
$1,950,000
$/sqft
$1,115
Trend YoY
+2.1%
Days on mkt
59
Sale-to-list
98.5%
Price cuts
12%
Supply (mo)
14.7
Listings
59
Median rent
$4,200

researched Sep 25

94928Rohnert Park
Median price
$712,750
$/sqft
$449
Trend YoY
-9.6%
Days on mkt
34
Sale-to-list
100%
Price cuts
24.1%
Supply (mo)
1
Listings
110
Median rent
$2,850

researched Sep 25

94931Cotati
Median price
$915,000
$/sqft
$353
Trend YoY
+11.6%
Days on mkt
49
Sale-to-list
100.2%
Price cuts
19%
Supply (mo)
3
Listings
1,158
Median rent
$1,996

researched Sep 25

94951Penngrove
Median price
$972,500
$/sqft
$561
Trend YoY
+1.3%
Days on mkt
49
Sale-to-list
100.2%
Price cuts
19%
Supply (mo)
3
Listings
1,158
Median rent
$2,850

researched Sep 25

94952Petaluma
Median price
$874,000
$/sqft
$531
Trend YoY
-6.5%
Days on mkt
23
Sale-to-list
99.5%
Price cuts
19%
Supply (mo)
4.1
Listings
167
Median rent
$2,762

researched Sep 25

94953Petaluma
Median price
$894,000
$/sqft
$530
Trend YoY
-0.7%
Days on mkt
23
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
137
Median rent
$2,830

researched Sep 25

94954Petaluma
Median price
$899,398
$/sqft
$531
Trend YoY
+0.4%
Days on mkt
23
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
123
Median rent
$2,819

researched Sep 25

94955Petaluma
Median price
$849,000
$/sqft
$561
Trend YoY
+2.5%
Days on mkt
49
Sale-to-list
100.2%
Price cuts
19%
Supply (mo)
3
Listings
1,158
Median rent
$3,000

researched Sep 25

94972Valley Ford
Median price
$712,844
$/sqft
$445
Trend YoY
+0.4%
Days on mkt
50
Sale-to-list
97.9%
Price cuts
—
Supply (mo)
—
Listings
1,038
Median rent
$3,000

researched Sep 25

Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.

Page 1 of 5
Area context
Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%). County (Sonoma County, California) — General Property Tax (Ad Valorem): The base property tax rate is 1% of the assessed value, plus voter-approved debt service rates.

Major amenities · Sonoma County, California
Entertainment venues, stadiums & amphitheaters
13 · 30 mi
Family fun & things to do
20+ · 20 mi
Parks, trails & nature
20+ · 20 mi
Lakes, marinas & beaches
1 · 30 mi
Shopping & dining districts
12 · 20 mi
Airports
1 · 31 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.

Discovery profileACS 2020-2024
Census profile · Sonoma County, California
Population
488,863
Owner-occupancy
62.6%
Median home value
$815,500
Median gross rent
$2,158
Median household income
$104,674
Avg household size
2.49
White alone, not Hispanic or Latino
58.2%
Hispanic or Latino
31%

Data retrieved from US Census Bureau QuickFacts

Sources · 5 cited
County city board · values & trends by city32 cities · 49 ZIP reports
Santa Rosa
city intel →
Median price$755,130
Price trend+0.5% YoY
Days on market57 med
Median rent$2,837
Population1,242,090
Active listings75,660
City market sentiment: cautious
9 of 9 ZIPs researched — figures roll up from member ZIP reports
Median price$859,680
Price trend+1.3% YoY
Days on market42 med
Median rent$2,541
Population656,141
Active listings3,901
City market sentiment: cautiously optimistic
6 of 6 ZIPs researched — figures roll up from member ZIP reports
Camp Meeker
Median price$712,844
Price trend-3.8% YoY
Days on market63 med
Median rent$2,450
Population292,251
Active listings6
1 of 1 ZIP researched — figures roll up from member ZIP reports
Fulton
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$2,666
Population292,251
Active listings443
1 of 1 ZIP researched — figures roll up from member ZIP reports
Glen Ellen
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$1,996
Population292,251
Active listings443
1 of 1 ZIP researched — figures roll up from member ZIP reports
Duncans Mills
Median price$725,000
Price trend-2% YoY
Days on market60 med
Median rent$3,000
Population212,271
Active listings1,038
1 of 1 ZIP researched — figures roll up from member ZIP reports
El Verano
Median price$745,500
Price trend+1.6% YoY
Days on market40 med
Median rent$1,981
Population177,524
Active listings26
1 of 1 ZIP researched — figures roll up from member ZIP reports
Jenner
Median price$750,000
Price trend-0.7% YoY
Days on market39 med
Median rent$3,000
Population177,216
Active listings501
1 of 1 ZIP researched — figures roll up from member ZIP reports
Rio Nido
Median price$520,000
Price trend+48.5% YoY
Days on market39 med
Median rent$2,574
Population177,216
Active listings1,038
1 of 1 ZIP researched — figures roll up from member ZIP reports
Vineburg
Median price$972,500
Price trend+1.3% YoY
Days on market49 med
Median rent$2,050
Population177,090
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Graton
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$2,400
Population175,000
Active listings1,038
1 of 1 ZIP researched — figures roll up from member ZIP reports
Rohnert Park
Median price$712,750
Price trend-9.6% YoY
Days on market34 med
Median rent$2,850
Population46,463
Active listings110
1 of 1 ZIP researched — figures roll up from member ZIP reports
Sebastopol
city intel →
Median price$1,057,940
Price trend-8.4% YoY
Days on market25 med
Median rent$2,760
Population36,303
Active listings77
City market sentiment: cautious
2 of 2 ZIPs researched — figures roll up from member ZIP reports
Villa Grande
Median price$815,000
Price trend+5.6% YoY
Days on market38 med
Median rent$2,800
Population28,000
Active listings34
1 of 1 ZIP researched — figures roll up from member ZIP reports
Windsor
Median price$750,000
Price trend+1.2% YoY
Days on market45 med
Median rent$3,426
Population28,000
Active listings71
1 of 1 ZIP researched — figures roll up from member ZIP reports
Sonoma
Median price$1,100,000
Price trend-0.5% YoY
Days on market39 med
Median rent$2,819
Population21,500
Active listings116
1 of 1 ZIP researched — figures roll up from member ZIP reports
Healdsburg
Median price$1,300,000
Price trend+8.2% YoY
Days on market40 med
Median rent$2,819
Population16,245
Active listings38
1 of 1 ZIP researched — figures roll up from member ZIP reports
Cloverdale
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$2,462
Population10,978
Active listings116
1 of 1 ZIP researched — figures roll up from member ZIP reports
Cotati
Median price$915,000
Price trend+11.6% YoY
Days on market49 med
Median rent$1,996
Population9,119
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Guerneville
Median price$481,500
Price trend+23.5% YoY
Days on market35 med
Median rent$2,819
Population4,552
Active listings72
1 of 1 ZIP researched — figures roll up from member ZIP reports
Forestville
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$2,500
Population3,293
Active listings443
1 of 1 ZIP researched — figures roll up from member ZIP reports
Geyserville
Median price$0
Price trend+24.8% YoY
Days on market40 med
Median rent$3,200
Population3,200
Active listings38
1 of 1 ZIP researched — figures roll up from member ZIP reports
Occidental
Median price$850,000
Price trend+1.3% YoY
Days on market49 med
Median rent$2,762
Population2,500
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Kenwood
Median price$1,250,000
Price trend-1.8% YoY
Days on market45 med
Median rent$3,850
Population2,450
Active listings48
1 of 1 ZIP researched — figures roll up from member ZIP reports
Penngrove
Median price$972,500
Price trend+1.3% YoY
Days on market49 med
Median rent$2,850
Population2,119
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Bodega Bay
Median price$1,950,000
Price trend+2.1% YoY
Days on market59 med
Median rent$4,200
Population1,287
Active listings59
1 of 1 ZIP researched — figures roll up from member ZIP reports
Sea Ranch
Median price$725,000
Price trend-2% YoY
Days on market39 med
Median rent$1,888
Population1,275
Active listings443
1 of 1 ZIP researched — figures roll up from member ZIP reports
Bodega
Median price$1,349,000
Price trend+1.3% YoY
Days on market49 med
Median rent$2,152
Population1,069
Active listings40
1 of 1 ZIP researched — figures roll up from member ZIP reports
Monte Rio
Median price$710,000
Price trend-4.1% YoY
Days on market49 med
Median rent$2,574
Population1,058
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Cazadero
Median price$475,000
Price trend-22.3% YoY
Days on market47 med
Median rent$2,819
Population361
Active listings24
1 of 1 ZIP researched — figures roll up from member ZIP reports
Eldridge
Median price$710,000
Price trend-4.1% YoY
Days on market49 med
Median rent$2,534
Population43
Active listings1,158
1 of 1 ZIP researched — figures roll up from member ZIP reports
Boyes Hot Springs
Median price$710,000
Price trend-4.1% YoY
Days on market36 med
Median rent$2,819
Population0
Active listings698
1 of 1 ZIP researched — figures roll up from member ZIP reports
Unincorporated & unassigned
Median price$716,876
Price trend-3.1% YoY
Days on market44 med
Median rent$2,210
Population759,502
Active listings2,639
3 of 3 ZIPs researched — figures roll up from member ZIP reports
Jurisdictional burden contextburdens registered for this geography · most-local first
County · Sonoma County, California
Zoning OrdinanceLand use & zoningBinds every parcel

Regulates land use, density, building height, and development standards for all unincorporated parcels in the county.

Codified in the Sonoma County Code of Ordinances.

Special District AssessmentsSpecial districts & overlaysConditional

applies when — Applies to parcels located within the boundaries of specific independent special districts.

Imposes additional property tax allocations or special assessments to fund district-specific services, such as water, fire protection, or sanitation.

Boundaries are managed by the Sonoma Local Agency Formation Commission (LAFCO).

General Property Tax (Ad Valorem)TaxationBinds every parcel

The base property tax rate is 1% of the assessed value, plus voter-approved debt service rates. The assessed value is based on the 1975/1976 full cash value, adjusted annually by a maximum of 2% for inflation, or the market value at the time of a change in ownership or new construction.

Governed by California Constitution Article XIIIA (Proposition 13).

≈ $7,720/yr on a $772,000 median

Cannabis Land Use OrdinanceLand use & zoningConditional

applies when — Applies to parcels where commercial cannabis activities are proposed or conducted.

Imposes specific zoning, permitting, and operational requirements for cannabis cultivation and related activities as defined in Chapter 26 of the Sonoma County Code.

Amended by Ordinance Nos. 6536 and 6538, adopted December 9, 2025.

State · California
Mello-Roos Community Facilities Act Special Parcel Tax AssessmentTaxationConditional

applies when — Applies to residential parcels located within a designated Mello-Roos Community Facilities District (CFD) established by a local agency and approved by a two-thirds vote.

Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. Unlike standard Proposition 13 taxes, Mello-Roos levies are not restricted to property valuation or the 1% cap; they are determined via an adopted Rate and Method of Apportionment (RMA) based on square footage, dwelling units, or lot acreage. Levies constitute a primary lien on the real property, subject to rapid judicial foreclosure upon tax default under accelerated statutory procedures.

Cal. Gov. Code §§ 53311–53368.3.

≈ $7,720/yr on a $772,000 median

California Wildfire Defensible Space and Hazard Mitigation MandateHazard & insuranceConditional

applies when — Applies to parcels situated within designated Very High Fire Hazard Severity Zones (VHFHSZ) or State Responsibility Areas (SRA).

Imposes an ongoing legal obligation on the parcel owner to maintain a continuous 100-foot defensible space buffer around all occupied structures: Zone 1 (0 to 30 feet) requiring intensive fuel removal, clearing dead vegetation, and limbing trees 6 feet from the ground; Zone 2 (30 to 100 feet) requiring reduced fuel/brush thinning. Failure to comply exposes the parcel to local/CAL FIRE abatement liens and misdemeanor citations. Under Cal. Civ. Code § 1102.19, sellers must provide buyers with written documentation of compliance with local defensible space laws.

Cal. Pub. Res. Code § 4291; Cal. Gov. Code § 51182; Cal. Civ. Code § 1102.19.

California Real Estate Transfer Disclosure Statement (TDS) DoctrineDisclosure & transactionBinds every parcel

Mandates that prospective sellers and listing/selling agents deliver a fully executed statutory Real Estate Transfer Disclosure Statement (TDS) disclosing all known material parcel defects, structural issues, boundary encroachments, unpermitted modifications, environmental hazards, and zoning variances. Failure to deliver allows the prospective buyer a statutory right of rescission (3 days after personal delivery or 5 days after mailing) and grounds for civil damages.

Cal. Civ. Code §§ 1102–1102.19.

California Homeowners' Property Tax ExemptionTaxationConditional

applies when — The residential dwelling must be owned and occupied by the taxpayer as their principal place of residence on the January 1 lien date.

Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). Formula: Net Taxable Assessed Value = Gross Factored Base Year Value - $7,000 exemption.

Cal. Const. art. XIII, § 3(k); Cal. Rev. & Tax. Code § 218.

California State Accessory Dwelling Unit (ADU) Development MandateLand use & zoningBinds every parcel

Mandates local governments to ministerially approve attached/detached Accessory Dwelling Units (ADUs) and Junior ADUs (JADUs) on any single-family or multi-family zoned parcel without discretionary hearings or CEQA review within 60 days. Preempts local setbacks (mandating maximum 4-foot side and rear setbacks), prohibits minimum lot size restrictions for ADUs, bans owner-occupancy requirements (for ADUs permitted prior to 2025/pursuant to recent code updates), prohibits local utility impact fees on units under 750 sq. ft., and renders void and unenforceable any private HOA deed restriction or CC&R that prohibits or unreasonably restricts ADU construction.

Cal. Gov. Code §§ 65852.2 and 65852.22 (amended continuously through recent legislative sessions).

California Power-of-Sale Non-Judicial Foreclosure FrameworkForeclosure doctrineBinds every parcel

Permits lenders to execute a non-judicial trustee's sale upon borrower default without prior court approval. The statute establishes strict timeline stages: recording of a Notice of Default (NOD) initiating a mandatory 90-day statutory cure/reinstatement period (under Cal. Civ. Code § 2924c, borrower can reinstate up to 5 business days before sale); followed by recording, posting, and publishing a Notice of Trustee Sale (NOTS) giving at least 20 days notice before the auction date. A trustee's non-judicial sale is definitive with no post-sale statutory right of redemption for the borrower, and the foreclosing lender is barred by anti-deficiency rules (Cal. Code Civ. Proc. § 580d) from seeking a deficiency judgment.

Cal. Civ. Code §§ 2924–2924k; Cal. Code Civ. Proc. § 580d.

California Senate Bill 9 (California Housing Opportunity and More Efficiency Act)Land use & zoningConditional

applies when — Applies to parcels in single-family residential zones that are not located on wetlands, hazardous waste sites, very high fire hazard zones (unless mitigated), earthquake fault zones (unless compliant with state seismic standards), or prime farmland/historic districts.

Requires local municipalities to ministerially approve, without discretionary review or CEQA scrutiny: (1) a two-unit residential development on a single-family lot (duplex), and/or (2) an urban lot split creating two parcels of roughly equal size (minimum 40% of the original lot area, each at least 1,200 sq. ft.). If a lot split is executed, the applicant must sign an affidavit certifying intention to occupy one of the housing units as their principal residence for a minimum of three years. Preempts local requirements for more than 4-foot side/rear setbacks and local parking minimums if located within 0.5 miles of transit.

Cal. Gov. Code §§ 65852.21 and 66411.7 (effective Jan 1, 2022 via SB 9).

California Natural Hazard Disclosure (NHD) Statement MandateHazard & insuranceBinds every parcel

Obligates sellers or their agents to deliver a statutory Natural Hazard Disclosure Statement certifying whether the parcel lies in any of six designated state/federal hazard zones: (1) FEMA Special Flood Hazard Area (100-year flood), (2) Area of Potential Flooding from Dam Inundation, (3) Very High Fire Hazard Severity Zone (VHFHSZ), (4) Wildland Fire Area (State Responsibility Area), (5) Earthquake Fault Zone (Alquist-Priolo), or (6) Seismic Hazard Zone (liquefaction/landslide). For parcels mapped inside these zones, state-mandated land-use setbacks, development restrictions, defensible space maintenance, mandatory flood insurance, or seismic retrofit obligations attach.

Cal. Civ. Code §§ 1103–1103.14.

Davis-Stirling Common Interest Development Act GovernanceSpecial districts & overlaysConditional

applies when — Applies to parcels situated within a common interest development (condominium project, planned development, community apartment project, or stock cooperative) with recorded CC&Rs and a common interest owners' association.

Binds the parcel to enforceable covenants, conditions, and restrictions (CC&Rs) running with the land. Empowers the association to levy regular and special assessments that become enforceable liens upon the parcel; restricts regular assessment increases exceeding 20% or special assessments exceeding 5% without member vote; establishes strict statutory limits on judicial or non-judicial foreclosure for delinquent assessments (requires delinquent regular assessments of at least $1,800 or delinquency of at least 12 months, subject to a mandatory 90-day post-sale right of redemption under Cal. Civ. Code § 5715); and overrides local HOA rules restricting accessory dwelling units, solar installations, or reasonable drought-tolerant landscaping.

Cal. Civ. Code §§ 4000–6150 (comprehensively recodified effective Jan 1, 2014).

California Alquist-Priolo Earthquake Fault Zoning Act Development RestrictionHazard & insuranceConditional

applies when — Applies to parcels situated within a State Geologist designated Alquist-Priolo Earthquake Fault Zone (typically within 500 feet of a known active fault trace).

Prohibits the construction of any structure for human occupancy across the trace of an active fault. Enforces a mandatory parcel-specific geologic investigation by a licensed engineering geologist prior to the issuance of any building permit, requiring a mandatory setback (typically a minimum of 50 feet) from any mapped active surface fault trace. Universal disclosure to prospective purchasers on the statutory Natural Hazard Disclosure form is required upon transfer.

Cal. Pub. Res. Code §§ 2621–2630.

California Homeowner Bill of Rights (HBOR) Mortgage Servicing SafeguardsForeclosure doctrineConditional

applies when — Applies to first-lien mortgages or deeds of trust secured by an owner-occupied, 1-to-4 unit residential property.

Imposes pre-foreclosure servicing requirements on mortgage servicers before an NOD can be recorded: requires a mandatory 30-day pre-default contact or due diligence period (Cal. Civ. Code § 2923.55) to explore loss-mitigation options; strictly prohibits 'dual tracking' (recording an NOD or NOTS or conducting a sale while a complete loss-mitigation application is pending); guarantees a single point of contact (SPOC); and empowers borrowers to obtain injunctive relief, actual damages, and statutory penalties up to $50,000 for material willful violations.

Cal. Civ. Code §§ 2923.55, 2923.6, 2924.12 (originally enacted 2012; permanent provisions reenacted Jan 1, 2019).

California Proposition 13 Ad Valorem Real Property TaxTaxationBinds every parcel

Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%). The assessed base year value is established at acquisition/change in ownership or completion of new construction, with annual valuation inflation adjustments capped at the lesser of 2.0% or the California Consumer Price Index (CCPI). Formula: Total Annual Property Tax = [(Base Year Assessed Value × (1 + Inflation Factor capped at 2%)^n) - Eligible Exemptions] × (1.0% Base Rate + Voter-Approved Bond Rates) + Fixed Special Assessments / Parcel Taxes.

Cal. Const. art. XIII A (enacted June 6, 1978 via Proposition 13; codified in Cal. Rev. & Tax. Code §§ 50 et seq.).

≈ $7,720/yr on a $772,000 median

Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.