The story of this market
The typical home in ZIP 95412 sells for about $725,000, or $553 per square foot.
Prices are down 2% from a year ago, which gives buyers more room to negotiate. Homes take about 39 days to sell. HUD's fair market rent for a two-bedroom is $2,450 a month.
ZIP 95412 — Annapolis
The Santa Rosa housing market is currently experiencing a period of stabilization with a slight year-over-year decline in median sale prices. Inventory remains moderate, and homes are selling near their asking prices, indicating a balanced market between buyers and sellers. High interest rates and wildfire insurance concerns continue to be the primary drivers influencing buyer behavior and affordability.
This area is well-suited for families and professionals seeking a balance between suburban living and access to outdoor recreation, though affordability remains a challenge for first-time buyers.
Median prices moved down 2.0% year over year.
Homes spend a median of 39 days on market with 3.2 months of supply — a fast-moving market.
19% of listings have cut prices · homes sell at 100.1% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 9.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 95412, Sonoma County CA
The region faces significant wildfire risk, which influences property insurance availability and premium costs for homeowners.
The area maintains a stable economic base with a mix of healthcare, education, and government sectors, though development is constrained by geography and environmental regulations.
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%).
Residents typically rely on personal vehicles for commuting, with Highway 101 serving as the primary north-south corridor connecting to regional employment hubs.
The area offers access to numerous regional parks, hiking trails in the nearby Mayacamas Mountains, and proximity to Sonoma County wine country amenities.
The rental market remains tight with low vacancy rates, driven by high demand from local workers and limited new multi-family construction.
The economy is anchored by healthcare providers, public administration, and the regional wine and tourism industry.
The area is served by the SMART train system and local bus networks, though car dependency remains high for most residents.
City planning focuses on infill development and increasing housing density near transit corridors to address affordability.
The Sonoma County Assessor manages property valuations, adhering to state-mandated assessment practices.
Parcels are subject to various special districts including school, community college, and fire protection districts.
Property insurance markets are challenging due to wildfire risk, with many residents relying on the FAIR Plan for coverage.
California is primarily a non-judicial foreclosure state, providing a streamlined process for lenders.
Sellers are required to provide a comprehensive Transfer Disclosure Statement detailing known property defects.
Data retrieved from census.gov ZCTA profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Features a lake, trails, and recreational facilities.
Extensive hiking and mountain biking trails.
Historic district with local shops and restaurants.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.