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Single Family ResidenceResidential
$990,053$355 / 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 86How 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 $190,000 on Sep 20, 1990

643 SAINT MARY DR

SANTA ROSA, CA 95409
4
Beds
3
Baths
2,785 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$990K
$855K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$190,000 · Sep 20, 1990
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.$146,153
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,922
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.86%
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.$374,500
AUSTIN PERRY FINANCIAL CORP · recorded Jan 9, 2008
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.$349,400
BANK OF AMERICA
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.$120,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,456 (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.$464,866 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$135,472
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$329,394
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$464,866

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.27
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
70
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.9 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
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(1)

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
Binkley Elementary Charter SchoolA
Elementary · Grades KG–6 · 0.2 mi
H
Maria Carrillo High SchoolA+
High · Grades 9–12 · 0.3 mi
M
Rincon Valley Middle SchoolC+
Middle · Grades 7–8 · 0.5 mi

District: Santa Rosa High School District

Neighborhood · ZIP 95409These 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.105
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 100.459

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.95%
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.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.24,776
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.847 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,190
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,830
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

643 Saint Mary Dr 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 Santa Rosa 95409
  • Costs less per square foot than 96% of homes in Santa Rosa 95409
  • Bigger than 92% of homes in Sonoma County
  • Has a smaller lot than 68% of homes in Santa Rosa 95409

What homes are worth in Santa Rosa 95409

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

This home
$395K$1.6M

This home is worth more than 78% of homes in Santa Rosa 95409.

How it measures up in Santa Rosa 95409

The dot is this home. The mark in the middle is the typical home in Santa Rosa 95409.

Estimated value$990,053
CheaperTypical $787,748Pricier

Pricier than 78% of homes nearby

Price per ft²$355
CheaperTypical $464Pricier

Pricier than 4% of homes nearby

Living area2,785 ft²
SmallerTypical 1,666 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.14 ac
SmallerTypical 0.18 acBigger

Bigger than 32% of homes nearby

Year built1975
OlderTypical 1976Newer

Newer than 47% of homes nearby

How 643 Saint Mary Dr ranks against every home in each area.
MeasureThis homeSanta Rosa 95409Sonoma County
Estimated valuepricier than$990,05378% of homes74% of homes
Price per ft²pricier than$3554% of homes6% of homes
Living areabigger than2,785 ft²91% of homes92% of homes
Lot sizebigger than0.14 ac32% of homes37% of homes
Year builtnewer than197547% of homes45% of homes

About 643 Saint Mary Dr

How much is 643 Saint Mary Dr, Santa Rosa, CA worth?

The TopHap Estimate for 643 Saint Mary Dr, Santa Rosa, CA is $990,053 as of Jul 14, 2026. The likely range is $854,908 to $1,125,198. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Saint Mary Dr, Santa Rosa, CA last sell?

643 Saint Mary Dr, Santa Rosa, CA last sold on Sep 20, 1990 for $190,000, according to the county's recorded deed.

How big is 643 Saint Mary Dr, Santa Rosa, CA?

643 Saint Mary Dr, Santa Rosa, CA has 4 bedrooms, 3 bathrooms, 2,785 square feet of living space and a 0.14-acre lot.

When was 643 Saint Mary Dr, Santa Rosa, CA built?

643 Saint Mary Dr, Santa Rosa, CA was built in 1975, making it 51 years old. The building has 2 stories.

What schools serve 643 Saint Mary Dr, Santa Rosa, CA?

643 Saint Mary Dr, Santa Rosa, CA is assigned to Binkley Elementary Charter School (elementary), rated A; Maria Carrillo High School (high), rated A+; Rincon Valley Middle School (middle), rated C+. All sit in Santa Rosa High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Saint Mary Dr, Santa Rosa, CA compare to other homes in Santa Rosa 95409?

Among the 10,277 homes in Santa Rosa 95409, it is worth more than 78% of them ($990,053 against a typical $787,748), its price per square foot is higher than 4% of them ($355 against a typical $464), it is bigger than 91% of them (2,785 ft² against a typical 1,666 ft²), its lot is bigger than 32% of them (0.14 ac against a typical 0.18 ac) and it is newer than 47% of them (1975 against a typical 1976). Measured against all of Sonoma County, it is worth more than 74% 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 Saint Mary Dr, Santa Rosa, CA?

The 2025 property tax bill for 643 Saint Mary Dr, Santa Rosa, CA was $5,456. The county assessed it at $464,866.

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