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Single Family ResidenceResidential
$1,069,583$434 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

324 GEMMA CIR

SANTA ROSA, CA 95404
3
Beds
4
Baths
2,465 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.1M
$993K low$1.1M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$834,583
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$667,666
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.23%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$235,000
GMAC MORTGAGE CORP · recorded Jul 15, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,625 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$487,492 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$152,338
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$335,154
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$487,492

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
88
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
63
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.112 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySonoma
Lot (acres)The size of the land the home sits on, from county records.0.34
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Madrone Elementary SchoolB
Elementary · Grades KG–6 · 1.0 mi
M
Rincon Valley Middle SchoolC+
Middle · Grades 7–8 · 1.9 mi
H
Maria Carrillo High SchoolA+
High · Grades 9–12 · 2.1 mi

District: Santa Rosa High School District

Neighborhood · ZIP 95404These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.598

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.43,241
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.541 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,299
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$140,649
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

324 Gemma Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Sonoma County
  • Costs less per square foot than 77% of homes in Santa Rosa 95404
  • Bigger than 87% of homes in Sonoma County
  • Has a bigger lot than 72% of homes in Sonoma County

What homes are worth in Santa Rosa 95404

Each bar is how many homes fall in that price range. The marker is this home.

This home
$359K$2.5M

This home is worth more than 72% of homes in Santa Rosa 95404.

How it measures up in Santa Rosa 95404

The dot is this home. The mark in the middle is the typical home in Santa Rosa 95404.

Estimated value$1,069,583
CheaperTypical $806,753Pricier

Pricier than 72% of homes nearby

Price per ft²$434
CheaperTypical $495Pricier

Pricier than 23% of homes nearby

Living area2,465 ft²
SmallerTypical 1,688 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.34 ac
SmallerTypical 0.18 acBigger

Bigger than 69% of homes nearby

Year built1984
OlderTypical 1970Newer

Newer than 64% of homes nearby

How 324 Gemma Cir ranks against every home in each area.
MeasureThis homeSanta Rosa 95404Sonoma County
Estimated valuepricier than$1,069,58372% of homes78% of homes
Price per ft²pricier than$43423% of homes31% of homes
Living areabigger than2,465 ft²77% of homes87% of homes
Lot sizebigger than0.34 ac69% of homes72% of homes
Year builtnewer than198464% of homes60% of homes

About 324 Gemma Cir

How much is 324 Gemma Cir, Santa Rosa, CA worth?

The TopHap Estimate for 324 Gemma Cir, Santa Rosa, CA is $1,069,583 as of Jul 14, 2026. The likely range is $992,909 to $1,146,257. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 324 Gemma Cir, Santa Rosa, CA last sell?

324 Gemma Cir, Santa Rosa, CA last sold on Oct 20, 1993, according to the county's recorded deed.

How big is 324 Gemma Cir, Santa Rosa, CA?

324 Gemma Cir, Santa Rosa, CA has 3 bedrooms, 4 bathrooms, 2,465 square feet of living space and a 0.34-acre lot.

When was 324 Gemma Cir, Santa Rosa, CA built?

324 Gemma Cir, Santa Rosa, CA was built in 1984, making it 42 years old. The building has 2 stories.

What schools serve 324 Gemma Cir, Santa Rosa, CA?

324 Gemma Cir, Santa Rosa, CA is assigned to Madrone Elementary School (elementary), rated B; Rincon Valley Middle School (middle), rated C+; Maria Carrillo High School (high), rated A+. All sit in Santa Rosa High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 324 Gemma Cir, Santa Rosa, CA compare to other homes in Santa Rosa 95404?

Among the 12,066 homes in Santa Rosa 95404, it is worth more than 72% of them ($1,069,583 against a typical $806,753), its price per square foot is higher than 23% of them ($434 against a typical $495), it is bigger than 77% of them (2,465 ft² against a typical 1,688 ft²), its lot is bigger than 69% of them (0.34 ac against a typical 0.18 ac) and it is newer than 64% of them (1984 against a typical 1970). Measured against all of Sonoma County, it is worth more than 78% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 324 Gemma Cir, Santa Rosa, CA?

The 2025 property tax bill for 324 Gemma Cir, Santa Rosa, CA was $5,625. The county assessed it at $487,492.

Closest homes

More homes in Santa Rosa 95404

Assigned schools

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