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Single Family ResidenceResidential
$466,005$437 / 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 89How 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 $465,000 on Jan 12, 2026

654 CHARLES ST

SANTA ROSA, CA 95404
1
Baths
1,066 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.
3,960 ft²
Lot SizeThe size of the land the home sits on, from county records.
1906
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$466K
$416K low$516K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$465,000 · Jan 12, 2026
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.$47,505
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$38,004
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.90%
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.$418,500
REDWOOD CU · 5.62% 1 · recorded Jan 12, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,426 (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.$209,638 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,532
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$130,106
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$209,638

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.22
53
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
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.0.09
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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.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

654 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 95% of homes in Santa Rosa 95404
  • Costs less per square foot than 88% of homes in Burbank Gardens
  • Smaller than 86% of homes in Santa Rosa 95404
  • Has a smaller lot than 90% of homes in Burbank Gardens
  • Older than 98% of homes in Santa Rosa 95404

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 5% 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$466,005
CheaperTypical $806,978Pricier

Pricier than 5% of homes nearby

Price per ft²$437
CheaperTypical $496Pricier

Pricier than 24% of homes nearby

Living area1,066 ft²
SmallerTypical 1,694 ft²Bigger

Bigger than 14% of homes nearby

Lot size3,960 ft²
SmallerTypical 0.18 acBigger

Bigger than 10% of homes nearby

Year built1906
OlderTypical 1971Newer

Newer than 2% of homes nearby

How 654 Charles St ranks against every home in each area.
MeasureThis homeBurbank GardensSanta Rosa 95404Sonoma County
Estimated valuepricier than$466,00512% of homes5% of homes9% of homes
Price per ft²pricier than$43712% of homes24% of homes32% of homes
Living areabigger than1,066 ft²54% of homes14% of homes14% of homes
Lot sizebigger than3,960 ft²10% of homes10% of homes15% of homes
Year builtnewer than190614% of homes2% of homes2% of homes

About 654 Charles St

How much is 654 Charles St, Santa Rosa, CA worth?

The TopHap Estimate for 654 Charles St, Santa Rosa, CA is $466,005 as of Jul 14, 2026. The likely range is $416,118 to $515,892. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 654 Charles St, Santa Rosa, CA last sell?

654 Charles St, Santa Rosa, CA last sold on Jan 12, 2026 for $465,000, according to the county's recorded deed.

How big is 654 Charles St, Santa Rosa, CA?

654 Charles St, Santa Rosa, CA has 1 bathrooms, 1,066 square feet of living space and a 0.09-acre lot.

When was 654 Charles St, Santa Rosa, CA built?

654 Charles St, Santa Rosa, CA was built in 1906, making it 120 years old. The building has 1 story.

What schools serve 654 Charles St, Santa Rosa, CA?

654 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 654 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 5% of them ($466,005 against a typical $806,978), its price per square foot is higher than 24% of them ($437 against a typical $496), it is bigger than 14% of them (1,066 ft² against a typical 1,694 ft²), its lot is bigger than 10% of them (3,960 ft² against a typical 0.18 ac) and it is newer than 2% of them (1906 against a typical 1971). Measured against all of Sonoma County, it is worth more than 9% 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 654 Charles St, Santa Rosa, CA?

The 2025 property tax bill for 654 Charles St, Santa Rosa, CA was $2,426. The county assessed it at $209,638.

Closest homes

More homes in Santa Rosa 95404

Assigned schools

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