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Single Family ResidenceResidential
$602,041$426 / 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 95How 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
Last sold for $154,545 on Feb 6, 1998

545 DUNCAN ST

SANTA ROSA, CA 95401
3
Beds
2
Baths
1,412 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
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

$602K
$575K low$629K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$154,545 · Feb 6, 1998
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.$462,041
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$369,633
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.22%
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.$140,000
INDYMAC BANK FSB · recorded Oct 1, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,068 (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.$271,428 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$103,779
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$167,649
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$271,428

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.36
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
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.197 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.Single Family Residence
CountySonoma
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1980
Lot (acres)The size of the land the home sits on, from county records.0.19
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
Abraham Lincoln Elementary SchoolD-
Elementary · Grades KG–6 · 0.4 mi
H
Santa Rosa High SchoolB-
High · Grades 9–12 · 1.2 mi
M
Santa Rosa Middle SchoolD-
Middle · Grades 7–8 · 1.3 mi

District: Santa Rosa High School District

Neighborhood · ZIP 95401These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.474

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.18%
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.37,940
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,831 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,042
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111,933
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.37 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

545 Duncan 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 78% of homes in Sonoma County
  • Costs less per square foot than 73% of homes in Sonoma County
  • Has a bigger lot than 70% of homes in Santa Rosa 95401

What homes are worth in Santa Rosa 95401

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

This home
$327K$1.4M

This home is worth more than 48% of homes in Santa Rosa 95401.

How it measures up in Santa Rosa 95401

The dot is this home. The mark in the middle is the typical home in Santa Rosa 95401.

Estimated value$602,041
CheaperTypical $607,885Pricier

Pricier than 48% of homes nearby

Price per ft²$426
CheaperTypical $439Pricier

Pricier than 42% of homes nearby

Living area1,412 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.19 ac
SmallerTypical 0.15 acBigger

Bigger than 70% of homes nearby

Year built1979
OlderTypical 1977Newer

Newer than 61% of homes nearby

How 545 Duncan St ranks against every home in each area.
MeasureThis homeSanta Rosa 95401Sonoma County
Estimated valuepricier than$602,04148% of homes22% of homes
Price per ft²pricier than$42642% of homes27% of homes
Living areabigger than1,412 ft²56% of homes40% of homes
Lot sizebigger than0.19 ac70% of homes59% of homes
Year builtnewer than197961% of homes53% of homes

About 545 Duncan St

How much is 545 Duncan St, Santa Rosa, CA worth?

The TopHap Estimate for 545 Duncan St, Santa Rosa, CA is $602,041 as of Jul 14, 2026. The likely range is $574,737 to $629,345. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 Duncan St, Santa Rosa, CA last sell?

545 Duncan St, Santa Rosa, CA last sold on Feb 6, 1998 for $154,545, according to the county's recorded deed.

How big is 545 Duncan St, Santa Rosa, CA?

545 Duncan St, Santa Rosa, CA has 3 bedrooms, 2 bathrooms, 1,412 square feet of living space and a 0.19-acre lot.

When was 545 Duncan St, Santa Rosa, CA built?

545 Duncan St, Santa Rosa, CA was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 545 Duncan St, Santa Rosa, CA?

545 Duncan St, Santa Rosa, CA is assigned to Abraham Lincoln Elementary School (elementary), rated D-; Santa Rosa High School (high), rated B-; Santa Rosa Middle School (middle), rated D-. All sit in Santa Rosa High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 545 Duncan St, Santa Rosa, CA compare to other homes in Santa Rosa 95401?

Among the 9,880 homes in Santa Rosa 95401, it is worth more than 48% of them ($602,041 against a typical $607,885), its price per square foot is higher than 42% of them ($426 against a typical $439), it is bigger than 56% of them (1,412 ft² against a typical 1,378 ft²), its lot is bigger than 70% of them (0.19 ac against a typical 0.15 ac) and it is newer than 61% of them (1979 against a typical 1977). Measured against all of Sonoma County, it is worth more than 22% 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 545 Duncan St, Santa Rosa, CA?

The 2025 property tax bill for 545 Duncan St, Santa Rosa, CA was $3,068. The county assessed it at $271,428.

Closest homes

More homes in Santa Rosa 95401

Assigned schools

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