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Rural ResidenceResidential
$2,082,584$625 / 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 91How 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

41009 RIVER RD

CLOVERDALE, CA 95425
4
Beds
4 / 1
Baths
3,333 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.
17.99 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
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

$2.1M
$1.9M low$2.3M 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.$642,584
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$514,067
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.62%
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.$1,090,000
MUTUAL OF OMAHA BANK · 4% 1 · recorded May 7, 2014
3rd 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.$350,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22,430 (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.$1,973,701 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$830,017
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,143,684
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,973,701

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.40
95
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
80
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.75 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Rural Residence
CountySonoma
Lot (acres)The size of the land the home sits on, from county records.17.99
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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.

H
Cloverdale High SchoolC
High · Grades 9–12 · 1.3 mi
E
Jefferson Elementary SchoolD-
Elementary · Grades KG–4 · 1.3 mi
M
WashingtonD-
Middle · Grades 5–8 · 1.7 mi

District: Cloverdale Unified School District

Neighborhood · ZIP 95425These 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.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.461

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.11,682
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.44 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,408
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$131,301
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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.Yes

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

41009 River Rd 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.

  • Among the most valuable homes in Cloverdale 95425
  • Costs more per square foot than 96% of homes in Cloverdale 95425
  • Bigger than 98% of homes in Cloverdale 95425
  • Has a bigger lot than 98% of homes in Sonoma County
  • Among the newest homes in Cloverdale 95425

What homes are worth in Cloverdale 95425

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

This home
$333K$1.4M

This home is worth more than almost all homes in Cloverdale 95425.

How it measures up in Cloverdale 95425

The dot is this home. The mark in the middle is the typical home in Cloverdale 95425.

Estimated value$2,082,584
CheaperTypical $620,580Pricier

Pricier than almost all homes nearby

Price per ft²$625
CheaperTypical $406Pricier

Pricier than 96% of homes nearby

Living area3,333 ft²
SmallerTypical 1,522 ft²Bigger

Bigger than 98% of homes nearby

Lot size17.99 ac
SmallerTypical 0.17 acBigger

Bigger than 97% of homes nearby

Year built2016
OlderTypical 1988Newer

Newer than almost all homes nearby

How 41009 River Rd ranks against every home in each area.
MeasureThis homeCloverdale 95425Sonoma County
Estimated valuepricier than$2,082,584almost all homes97% of homes
Price per ft²pricier than$62596% of homes79% of homes
Living areabigger than3,333 ft²98% of homes96% of homes
Lot sizebigger than17.99 ac97% of homes98% of homes
Year builtnewer than2016almost all homes94% of homes

About 41009 River Rd

How much is 41009 River Rd, Cloverdale, CA worth?

The TopHap Estimate for 41009 River Rd, Cloverdale, CA is $2,082,584 as of Jul 14, 2026. The likely range is $1,901,269 to $2,263,899. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 41009 River Rd, Cloverdale, CA?

41009 River Rd, Cloverdale, CA has 4 bedrooms, 4 bathrooms, 3,333 square feet of living space and a 17.99-acre lot.

When was 41009 River Rd, Cloverdale, CA built?

41009 River Rd, Cloverdale, CA was built in 2016, making it 10 years old. The building has 2 stories.

What schools serve 41009 River Rd, Cloverdale, CA?

41009 River Rd, Cloverdale, CA is assigned to Cloverdale High School (high), rated C; Jefferson Elementary School (elementary), rated D-; Washington (middle), rated D-. All sit in Cloverdale Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 41009 River Rd, Cloverdale, CA compare to other homes in Cloverdale 95425?

Among the 3,547 homes in Cloverdale 95425, it is worth more than almost all of them ($2,082,584 against a typical $620,580), its price per square foot is higher than 96% of them ($625 against a typical $406), it is bigger than 98% of them (3,333 ft² against a typical 1,522 ft²), its lot is bigger than 97% of them (17.99 ac against a typical 0.17 ac) and it is newer than almost all of them (2016 against a typical 1988). Measured against all of Sonoma County, it is worth more than 97% 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 41009 River Rd, Cloverdale, CA?

The 2025 property tax bill for 41009 River Rd, Cloverdale, CA was $22,430. The county assessed it at $1,973,701.

Closest homes

More homes in Cloverdale 95425

Assigned schools

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