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Single Family ResidenceResidential
$693,951$439 / 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 96How 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 $600,000 on Feb 16, 2021

645 ELSA DR

SANTA ROSA, CA 95407
3
Beds
2
Baths
1,582 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.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$694K
$669K low$719K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$600,000 · Feb 16, 2021
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.$159,951
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$127,961
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.76%
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.$534,000
UNITED WHOLESALE MORTGAGE · recorded Feb 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,570 (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.$649,456 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$259,782
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$389,674
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$636,723

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.30
50
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
74
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.14 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
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
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.1996
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(17)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(5)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Taylor Mountain Elementary SchoolD-
Elementary · Grades PK–6 · 0.3 mi
M
Montgomery High SchoolB
Middle · Grades 7–12 · 2.8 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.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

645 Elsa 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 75% of homes in Santa Rosa 95407
  • Costs less per square foot than 68% of homes in Sonoma County
  • Bigger than 68% of homes in Santa Rosa 95407
  • Has a smaller lot than 71% of homes in Sonoma County
  • Newer than 76% 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
$361K$1M

This home is worth more than 75% 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$693,951
CheaperTypical $596,117Pricier

Pricier than 75% of homes nearby

Price per ft²$439
CheaperTypical $422Pricier

Pricier than 59% of homes nearby

Living area1,582 ft²
SmallerTypical 1,327 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.14 ac
SmallerTypical 0.14 acBigger

Bigger than 42% of homes nearby

Year built1992
OlderTypical 1990Newer

Newer than 54% of homes nearby

How 645 Elsa Dr ranks against every home in each area.
MeasureThis homeSanta Rosa 95407Sonoma County
Estimated valuepricier than$693,95175% of homes37% of homes
Price per ft²pricier than$43959% of homes32% of homes
Living areabigger than1,582 ft²68% of homes51% of homes
Lot sizebigger than0.14 ac42% of homes29% of homes
Year builtnewer than199254% of homes76% of homes

About 645 Elsa Dr

How much is 645 Elsa Dr, Santa Rosa, CA worth?

The TopHap Estimate for 645 Elsa Dr, Santa Rosa, CA is $693,951 as of Jul 14, 2026. The likely range is $668,512 to $719,390. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Elsa Dr, Santa Rosa, CA last sell?

645 Elsa Dr, Santa Rosa, CA last sold on Feb 16, 2021 for $600,000, according to the county's recorded deed. TopHap holds 9 recorded sales for this parcel.

How big is 645 Elsa Dr, Santa Rosa, CA?

645 Elsa Dr, Santa Rosa, CA has 3 bedrooms, 2 bathrooms, 1,582 square feet of living space and a 0.14-acre lot.

When was 645 Elsa Dr, Santa Rosa, CA built?

645 Elsa Dr, Santa Rosa, CA was built in 1992, making it 34 years old. It is a custom design home. The building has 1 story.

What schools serve 645 Elsa Dr, Santa Rosa, CA?

645 Elsa Dr, Santa Rosa, CA is assigned to Taylor Mountain Elementary School (elementary), rated D-; Montgomery High School (middle), rated B. All sit in Santa Rosa High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Elsa Dr, Santa Rosa, CA compare to other homes in Santa Rosa 95407?

Among the 9,183 homes in Santa Rosa 95407, it is worth more than 75% of them ($693,951 against a typical $596,117), its price per square foot is higher than 59% of them ($439 against a typical $422), it is bigger than 68% of them (1,582 ft² against a typical 1,327 ft²), its lot is bigger than 42% of them (0.14 ac against a typical 0.14 ac) and it is newer than 54% of them (1992 against a typical 1990). Measured against all of Sonoma County, it is worth more than 37% 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 645 Elsa Dr, Santa Rosa, CA?

The 2025 property tax bill for 645 Elsa Dr, Santa Rosa, CA was $7,570. The county assessed it at $649,456.

More homes on Elsa Dr

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Assigned schools

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