The story of this market
The typical home in ZIP 95421 sells for about $475,000, or $333 per square foot.
Prices are down 22.3% from a year ago, which gives buyers more room to negotiate. Homes take about 47 days to sell. HUD's fair market rent for a two-bedroom is $2,819 a month.
ZIP 95421 — Cazadero
The housing market in ZIP 95421 is characterized by extremely low transaction volume and rural isolation, making it a niche market. Recent data indicates a significant decline in median sale prices year-over-year, reflecting the volatility of a low-liquidity, rural area.
This ZIP is best suited for those seeking rural seclusion, nature enthusiasts, or second-home buyers, rather than commuters or families requiring proximity to urban services and schools.
Median prices moved down 22.3% year over year.
Homes spend a median of 47 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 100% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) — a stable, low-distress profile.
ZCTA 95421, Sonoma County CA
The area is served by small, rural elementary schools including Fort Ross and Montgomery Elementary, which are generally characterized by very low student populations and high teacher-to-student ratios.
The region faces significant wildfire risk, which is a primary factor in the local property-insurance climate.
Economic momentum is limited due to the rural, low-density nature of the geography; there are no major corporate headquarters or large-scale infrastructure projects reported within the ZIP.
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%).
The area is highly rural and isolated, requiring long drive times to reach employment centers in Santa Rosa or other parts of Sonoma County.
The area is defined by its proximity to the Pacific coast and redwood forests, offering extensive outdoor recreation including hiking and nature trails, though traditional suburban shopping and golf amenities are limited.
The rental market is extremely thin with very low inventory, making it difficult to assess vacancy pressure or rent trajectories.
The local economy is primarily rural and agricultural, with limited local employment beyond small-scale services and tourism.
Property insurance availability and premiums are heavily influenced by the high wildfire risk profile of the region.
Data sourced from local real estate market reports and limited census snapshots.
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.
A historic landmark and park located along the coast.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.