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Single Family ResidenceResidential
$477,176$467 / 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

643 CHARLES ST

SANTA ROSA, CA 95404
2
Beds
1
Baths
1,022 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1937
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$477K
$444K low$510K 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.$277,176
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$221,741
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.40%
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.$100,000
JPMORGAN CHASE BANK NA · recorded Dec 11, 2012
2nd 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.$100,000
CHASE MANHATTAN BANK USA NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,070 (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.$184,691 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$95,691
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$89,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$184,691

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.26
53
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
50
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.16 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.0.14
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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
Luther Burbank Elementary SchoolC
Elementary · Grades KG–6 · 0.3 mi
M
Montgomery High SchoolB
Middle · Grades 7–12 · 1.4 mi

District: Santa Rosa Elementary 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.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

643 Charles 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 Santa Rosa 95404
  • Costs less per square foot than 78% of homes in Burbank Gardens
  • Smaller than 88% of homes in Santa Rosa 95404
  • Has a smaller lot than 76% of homes in Santa Rosa 95404
  • Older than 92% 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
$369K$2.5M

This home is worth more than 6% 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$477,176
CheaperTypical $806,978Pricier

Pricier than 6% of homes nearby

Price per ft²$467
CheaperTypical $496Pricier

Pricier than 36% of homes nearby

Living area1,022 ft²
SmallerTypical 1,694 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.13 ac
SmallerTypical 0.18 acBigger

Bigger than 24% of homes nearby

Year built1937
OlderTypical 1971Newer

Newer than 13% of homes nearby

How 643 Charles St ranks against every home in each area.
MeasureThis homeBurbank GardensSanta Rosa 95404Sonoma County
Estimated valuepricier than$477,17617% of homes6% of homes10% of homes
Price per ft²pricier than$46722% of homes36% of homes43% of homes
Living areabigger than1,022 ft²44% of homes12% of homes12% of homes
Lot sizebigger than0.13 ac74% of homes24% of homes29% of homes
Year builtnewer than193774% of homes13% of homes8% of homes

About 643 Charles St

How much is 643 Charles St, Santa Rosa, CA worth?

The TopHap Estimate for 643 Charles St, Santa Rosa, CA is $477,176 as of Jul 14, 2026. The likely range is $443,972 to $510,380. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Charles St, Santa Rosa, CA last sell?

643 Charles St, Santa Rosa, CA last sold on Jun 29, 2018, according to the county's recorded deed.

How big is 643 Charles St, Santa Rosa, CA?

643 Charles St, Santa Rosa, CA has 2 bedrooms, 1 bathrooms, 1,022 square feet of living space and a 0.14-acre lot.

When was 643 Charles St, Santa Rosa, CA built?

643 Charles St, Santa Rosa, CA was built in 1937, making it 89 years old. The building has 1 story.

What schools serve 643 Charles St, Santa Rosa, CA?

643 Charles St, Santa Rosa, CA is assigned to Luther Burbank Elementary School (elementary), rated C; Montgomery High School (middle), rated B. All sit in Santa Rosa Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Charles St, Santa Rosa, CA compare to other homes in Santa Rosa 95404?

Among the 12,061 homes in Santa Rosa 95404, it is worth more than 6% of them ($477,176 against a typical $806,978), its price per square foot is higher than 36% of them ($467 against a typical $496), it is bigger than 12% of them (1,022 ft² against a typical 1,694 ft²), its lot is bigger than 24% of them (0.13 ac against a typical 0.18 ac) and it is newer than 13% of them (1937 against a typical 1971). Measured against all of Sonoma County, it is worth more than 10% 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 643 Charles St, Santa Rosa, CA?

The 2025 property tax bill for 643 Charles St, Santa Rosa, CA was $2,070. The county assessed it at $184,691.

Closest homes

More homes in Santa Rosa 95404

Assigned schools

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