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TownhouseResidential
$430,284$356 / 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

540 SPRUCE ST

SANTA ROSA, CA 95407
2
Beds
3 / 1
Baths
1,210 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.
1 ft²
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$430K
$394K low$467K 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.$430,284
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$344,227

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,437 (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.$373,222 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$108,615
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$264,607
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$373,222

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.5
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
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.Townhouse
CountySonoma
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
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(4)

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
Robert L. Stevens Elementary SchoolA
Elementary · Grades KG–6 · 0.6 mi
H
Elsie Allen High SchoolD
High · Grades 9–12 · 1.6 mi
M
Hilliard Comstock Middle SchoolF
Middle · Grades 7–8 · 2.0 mi

District: Santa Rosa High School District

Neighborhood · ZIP 95407These 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.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.460

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.44,580
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,957 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,343
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,028
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.35 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

540 Spruce St 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 less than 94% of homes in Sonoma County
  • Costs less per square foot than 93% of homes in Sonoma County
  • Smaller than 75% of homes in Sonoma County
  • Has a smaller lot than 98% of homes in Santa Rosa 95407
  • Newer than 77% of homes in Sonoma County

What homes are worth in Santa Rosa 95407

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

This home
$362K$1.1M

This home is worth more than 7% of homes in Santa Rosa 95407.

How it measures up in Santa Rosa 95407

The dot is this home. The mark in the middle is the typical home in Santa Rosa 95407.

Estimated value$430,284
CheaperTypical $596,817Pricier

Pricier than 7% of homes nearby

Price per ft²$356
CheaperTypical $422Pricier

Pricier than 18% of homes nearby

Living area1,210 ft²
SmallerTypical 1,326 ft²Bigger

Bigger than 34% of homes nearby

Lot size1 ft²
SmallerTypical 0.14 acBigger

Bigger than 2% of homes nearby

Year built1993
OlderTypical 1990Newer

Newer than 56% of homes nearby

How 540 Spruce St ranks against every home in each area.
MeasureThis homeWrightSanta Rosa 95407Sonoma County
Estimated valuepricier than$430,28412% of homes7% of homes6% of homes
Price per ft²pricier than$35628% of homes18% of homes7% of homes
Living areabigger than1,210 ft²31% of homes34% of homes25% of homes
Lot sizebigger than1 ft²7% of homes2% of homes3% of homes
Year builtnewer than199342% of homes56% of homes77% of homes

About 540 Spruce St

How much is 540 Spruce St, Santa Rosa, CA worth?

The TopHap Estimate for 540 Spruce St, Santa Rosa, CA is $430,284 as of Jul 14, 2026. The likely range is $393,516 to $467,052. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 540 Spruce St, Santa Rosa, CA?

540 Spruce St, Santa Rosa, CA has 2 bedrooms, 3 bathrooms and 1,210 square feet of living space.

When was 540 Spruce St, Santa Rosa, CA built?

540 Spruce St, Santa Rosa, CA was built in 1993, making it 33 years old. The building has 2 stories.

What schools serve 540 Spruce St, Santa Rosa, CA?

540 Spruce St, Santa Rosa, CA is assigned to Robert L. Stevens Elementary School (elementary), rated A; Elsie Allen High School (high), rated D; Hilliard Comstock Middle School (middle), rated F. All sit in Santa Rosa High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Spruce St, Santa Rosa, CA compare to other homes in Santa Rosa 95407?

Among the 9,184 homes in Santa Rosa 95407, it is worth more than 7% of them ($430,284 against a typical $596,817), its price per square foot is higher than 18% of them ($356 against a typical $422), it is bigger than 34% of them (1,210 ft² against a typical 1,326 ft²), its lot is bigger than 2% of them (1 ft² against a typical 0.14 ac) and it is newer than 56% of them (1993 against a typical 1990). Measured against all of Sonoma County, it is worth more than 6% 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 540 Spruce St, Santa Rosa, CA?

The 2025 property tax bill for 540 Spruce St, Santa Rosa, CA was $4,437. The county assessed it at $373,222.

Closest homes

More homes in Santa Rosa 95407

Assigned schools

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