LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in Fresno County, California sells for about $465,000, or $265 per square foot.

Prices are up +2.02% from a year ago, so sellers still have some momentum. Homes take about 53 days to sell. HUD's fair market rent for a two-bedroom is $2,000 a month.

County intel report · monthly refresh cycle
Track this county

Fresno County, California

Fresno market · minorrefreshed Oct 17, 2026, 12:03 PM2 refresh cycles retainednext refresh due Jan 15, 2027
Market sentiment: neutral

The Fresno County housing market shows moderate price appreciation with a median listing price of $465,000. Inventory remains constrained with 1,580 active listings, while days on market have stabilized around 53 days. Rental demand remains high, contributing to a significant year-over-year increase in asking rents.

No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).

The data chain · drill up or downproperty → ZIP → city → county → state
California state →Fresno market →Fresno County

Select a city to expand its ZIP intel reports beneath · 15 cities · 51 ZIP reports

Latest readings
Median sale price
$465,000
Corroboration pending — anchor baseline forms on the first refresh cycles
Median price / sq ft
$265
Median days on market
53
Active listings
1,580
Median price change YoY
+2.02%
Median asking rent
$2,000/mo
Population
1,023,358
Median household income
$73,550
County Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
61
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
42
Growth/100

Median prices moved down 1.7% year over year.

87
Liquidity/100

Homes spend a median of 42 days on market with 0.6 months of supply — a fast-moving market.

47
Momentum/100

4% of listings have cut prices · homes sell at 52.01% of asking — demand is holding steady.

67
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.5% · poverty 17.8% — a mixed stability profile.

Federal real-property footprintGSA REXUS · county granular
Federal buildings & leases
25
Usable area
1,075k sq ft
Mean building size
42,993 sq ft

Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.

Deterministic roll-up
51 of 51 ZIP reports contributed
Median sale price
$491,820
Median price / sq ft
$277
Median days on market
41.59
Active listings
49,560
Listings with price cuts
3.66%
Median price change YoY
-1.68%
Closed sales (monthly)
28,410
Months of supply
0.57
Sale-to-list ratio
52.01%
Median asking rent
$2,050/mo
Population
5,137,804
Median household income
$96,746

Deterministic aggregate of 51 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.

Property base layer · rolled up from researched properties2 researched properties · latest reading each
Researched properties
2
distinct addresses on the base layer
Median observed value
$1,586,976
normalized current value readings
Median observed rent
$6,000
monthly, where determinable
County-record distress flags
0
pre-foreclosure · foreclosure · REO · lien · judgment

Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 7, 2026.

ZIP roster · every intel report in the county51 of 51 ZIPs researched
Sort
93210Coalinga
Median price
$285,000
$/sqft
$212
Trend YoY
+1.8%
Days on mkt
348
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
74
Median rent
$1,095

researched Sep 21

93234Huron
Median price
$258,000
$/sqft
$229
Trend YoY
+2.4%
Days on mkt
55
Sale-to-list
99.1%
Price cuts
17%
Supply (mo)
4.2
Listings
443
Median rent
$1,054

researched Sep 21

93602Auberry
Median price
$626,780
$/sqft
$77
Trend YoY
0%
Days on mkt
22
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
12
Median rent
$1,452

researched Sep 21

93606Biola
Median price
$425,000
$/sqft
$322
Trend YoY
-1.8%
Days on mkt
71
Sale-to-list
99.3%
Price cuts
35.9%
Supply (mo)
1.8
Listings
930
Median rent
$971

researched Sep 21

93608Cantua Creek
Median price
$425,143
$/sqft
$249
Trend YoY
-0.3%
Days on mkt
50
Sale-to-list
98.5%
Price cuts
17%
Supply (mo)
3.5
Listings
2,553
Median rent
$1,750

researched Sep 25

93609Caruthers
Median price
$430,000
$/sqft
$261
Trend YoY
0%
Days on mkt
46
Sale-to-list
98.5%
Price cuts
8.7%
Supply (mo)
2.8
Listings
1,552
Median rent
$1,850

researched Sep 25

93611Clovis
Median price
$497,250
$/sqft
$263
Trend YoY
+2.1%
Days on mkt
55
Sale-to-list
99.1%
Price cuts
17%
Supply (mo)
5.2
Listings
92
Median rent
$2,150

researched Sep 25

93612Clovis
Median price
$400,000
$/sqft
$260
Trend YoY
-3.8%
Days on mkt
68
Sale-to-list
98.5%
Price cuts
43.3%
Supply (mo)
3.4
Listings
1,552
Median rent
$1,850

researched Sep 25

93619Clovis
Median price
$564,872
$/sqft
$322
Trend YoY
-2.6%
Days on mkt
36
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
350
Median rent
$2,500

researched Sep 25

93621Dunlap
Median price
$408,000
$/sqft
$249
Trend YoY
-1.8%
Days on mkt
47
Sale-to-list
99%
Price cuts
5.6%
Supply (mo)
3.5
Listings
2,553
Median rent
$1,850

researched Sep 25

Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.

Page 1 of 6
Area context
Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%). County (Fresno County, California) — Homeowners’ Exemption: Provides a $7,000 reduction in the property's taxable assessed value. County (Fresno County, California) — Supplemental Assessments: Imposes a tax on the difference between the old and new assessed value, prorated for the remainder of the fiscal year.

Discovery profileACS 2022 5-year estimates
Census profile · Fresno County, California
Population
1,023,358
Median age
33.8 yrs
Owner-occupancy
51.5%
Median home value
$365,000
Median gross rent
$1,250
Median household income
$73,550
Median year built
1982
Vacancy rate
5.8%
Renter share
48.5%
Owner cost burden
28.5%
Renter cost burden
45.2%
Population change
+0.2%
Work-from-home share
12.5%
Mean commute
24.5 min
Bachelor's or higher
22.1%
Unemployment
6.5%
Poverty rate
17.8%
Avg household size
3.15
Hispanic or Latino
54.5%
White alone, not Hispanic or Latino
27.5%
Asian alone
10.5%
Black or African American alone
4.8%
Other
2.7%

Data retrieved from data.census.gov

Sources · 5 cited
County city board · values & trends by city15 cities · 51 ZIP reports
Median price$437,226
Price trend-1.4% YoY
Days on market44 med
Median rent$1,783
Population1,329,262
Active listings8,042
City market sentiment: cautiously optimistic
18 of 18 ZIPs researched — figures roll up from member ZIP reports
Orange Cove
Median price$430,000
Price trend0% YoY
Days on market46 med
Median rent$1,392
Population1,035,456
Active listings556
1 of 1 ZIP researched — figures roll up from member ZIP reports
San Joaquin
Median price$430,000
Price trend+1.2% YoY
Days on market55 med
Median rent$1,650
Population732,197
Active listings2,071
1 of 1 ZIP researched — figures roll up from member ZIP reports
Median price$562,813
Price trend-2.6% YoY
Days on market36 med
Median rent$2,491
Population153,757
Active listings1,994
City market sentiment: cautiously optimistic
3 of 3 ZIPs researched — figures roll up from member ZIP reports
Reedley
Median price$385,000
Price trend-5% YoY
Days on market33 med
Median rent$1,862
Population30,620
Active listings37
1 of 1 ZIP researched — figures roll up from member ZIP reports
Selma
Median price$358,000
Price trend+1.6% YoY
Days on market52 med
Median rent$1,685
Population29,499
Active listings930
1 of 1 ZIP researched — figures roll up from member ZIP reports
Sanger
Median price$430,000
Price trend+1.2% YoY
Days on market55 med
Median rent$1,850
Population25,000
Active listings2,071
1 of 1 ZIP researched — figures roll up from member ZIP reports
Kerman
Median price$434,000
Price trend+1.7% YoY
Days on market39 med
Median rent$1,214
Population21,284
Active listings14
1 of 1 ZIP researched — figures roll up from member ZIP reports
Coalinga
Median price$285,000
Price trend+1.8% YoY
Days on market348 med
Median rent$1,095
Population18,491
Active listings74
1 of 1 ZIP researched — figures roll up from member ZIP reports
Kingsburg
Median price$435,000
Price trend+1.4% YoY
Days on market50 med
Median rent$1,333
Population17,583
Active listings2,071
1 of 1 ZIP researched — figures roll up from member ZIP reports
Parlier
Median price$430,000
Price trend0% YoY
Days on market46 med
Median rent$1,900
Population15,108
Active listings3,400
1 of 1 ZIP researched — figures roll up from member ZIP reports
Mendota
Median price$338,000
Price trend-2.1% YoY
Days on market62 med
Median rent$982
Population14,657
Active listings48
1 of 1 ZIP researched — figures roll up from member ZIP reports
Firebaugh
Median price$391,000
Price trend+0.3% YoY
Days on market55 med
Median rent$1,650
Population12,000
Active listings2,071
1 of 1 ZIP researched — figures roll up from member ZIP reports
Fowler
Median price$368,700
Price trend+1.6% YoY
Days on market47 med
Median rent$1,862
Population8,194
Active listings2,856
1 of 1 ZIP researched — figures roll up from member ZIP reports
Huron
Median price$258,000
Price trend+2.4% YoY
Days on market55 med
Median rent$1,054
Population6,519
Active listings443
1 of 1 ZIP researched — figures roll up from member ZIP reports
Unincorporated & unassigned
Median price$463,206
Price trend-0.5% YoY
Days on market46 med
Median rent$1,572
Population1,688,177
Active listings22,882
17 of 17 ZIPs researched — figures roll up from member ZIP reports
Jurisdictional burden contextburdens registered for this geography · most-local first
County · Fresno County, California
On-Site Wastewater Treatment (OWTS)Building & codesConditional

applies when — Parcels not served by public sewer systems.

Systems must meet specific design, soil porosity, and setback requirements regulated by the Public Works and Planning Department.

Fresno County Ordinance Code Chapter 14.04.

Floodplain RegulationsHazard & insuranceConditional

applies when — Property located within a Special Flood Hazard Area (SFHA).

Requires compliance with additional building codes, potential elevation requirements, and mandatory flood insurance if federally backed financing is used.

Fresno County Ordinance Code Chapter 15.48.

Zoning OrdinanceLand use & zoningBinds every parcel

Binds all parcels to specific land-use standards including minimum lot sizes, setbacks, and permitted uses.

Fresno County Ordinance Code Title 16.

Subdivision RegulationsLand use & zoningConditional

applies when — Division of land into smaller lots.

Requires consistency with the General Plan and Title 17 (Division of Land); creating 5+ lots typically requires a Tentative Tract Map process.

Fresno County Ordinance Code Title 17.

Special Districts and AssessmentsSpecial districts & overlaysConditional

applies when — Parcel location within a specific district boundary (e.g., Water, Drainage, Community Facilities/Mello-Roos, County Service Areas).

Imposes fixed or variable charges to fund localized services like sewer, water, fire, or lighting, independent of the base 1% tax rate.

Governed by various California Government Code sections and local district resolutions.

Non-Judicial ForeclosureForeclosure doctrineConditional

applies when — Default on a mortgage or deed of trust.

Statutory process involving a Notice of Default (minimum 90-day waiting period) followed by a Notice of Trustee’s Sale (minimum 21 days before auction).

California Civil Code Section 2924.

Homeowners’ ExemptionTaxationConditional

applies when — Owner-occupied primary residence as of January 1.

Provides a $7,000 reduction in the property's taxable assessed value.

California Constitution Article XIII, Section 3(k).

Supplemental AssessmentsTaxationConditional

applies when — Change in ownership or completion of new construction.

Imposes a tax on the difference between the old and new assessed value, prorated for the remainder of the fiscal year.

California Revenue and Taxation Code.

Proposition 13 Assessment RegimeTaxationBinds every parcel

Assessed value is established at the purchase price (Base Year Value) and is capped at a maximum 2% annual increase, unless a change in ownership or new construction occurs.

California Constitution Article XIII A.

General Property Tax (Base)TaxationBinds every parcel

The base property tax rate is 1% of the assessed value as mandated by Article XIII A of the California Constitution. The total tax bill is calculated as (1% Base Rate * Assessed Value) + (Voter-Approved Bond Rates * Assessed Value) + Special Assessments/Fees.

Established by Proposition 13 (1978).

≈ $4,650/yr on a $465,000 median

State · California
Mello-Roos Community Facilities Act Special Parcel Tax AssessmentTaxationConditional

applies when — Applies to residential parcels located within a designated Mello-Roos Community Facilities District (CFD) established by a local agency and approved by a two-thirds vote.

Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. Unlike standard Proposition 13 taxes, Mello-Roos levies are not restricted to property valuation or the 1% cap; they are determined via an adopted Rate and Method of Apportionment (RMA) based on square footage, dwelling units, or lot acreage. Levies constitute a primary lien on the real property, subject to rapid judicial foreclosure upon tax default under accelerated statutory procedures.

Cal. Gov. Code §§ 53311–53368.3.

≈ $4,650/yr on a $465,000 median

California Wildfire Defensible Space and Hazard Mitigation MandateHazard & insuranceConditional

applies when — Applies to parcels situated within designated Very High Fire Hazard Severity Zones (VHFHSZ) or State Responsibility Areas (SRA).

Imposes an ongoing legal obligation on the parcel owner to maintain a continuous 100-foot defensible space buffer around all occupied structures: Zone 1 (0 to 30 feet) requiring intensive fuel removal, clearing dead vegetation, and limbing trees 6 feet from the ground; Zone 2 (30 to 100 feet) requiring reduced fuel/brush thinning. Failure to comply exposes the parcel to local/CAL FIRE abatement liens and misdemeanor citations. Under Cal. Civ. Code § 1102.19, sellers must provide buyers with written documentation of compliance with local defensible space laws.

Cal. Pub. Res. Code § 4291; Cal. Gov. Code § 51182; Cal. Civ. Code § 1102.19.

California Alquist-Priolo Earthquake Fault Zoning Act Development RestrictionHazard & insuranceConditional

applies when — Applies to parcels situated within a State Geologist designated Alquist-Priolo Earthquake Fault Zone (typically within 500 feet of a known active fault trace).

Prohibits the construction of any structure for human occupancy across the trace of an active fault. Enforces a mandatory parcel-specific geologic investigation by a licensed engineering geologist prior to the issuance of any building permit, requiring a mandatory setback (typically a minimum of 50 feet) from any mapped active surface fault trace. Universal disclosure to prospective purchasers on the statutory Natural Hazard Disclosure form is required upon transfer.

Cal. Pub. Res. Code §§ 2621–2630.

California Senate Bill 9 (California Housing Opportunity and More Efficiency Act)Land use & zoningConditional

applies when — Applies to parcels in single-family residential zones that are not located on wetlands, hazardous waste sites, very high fire hazard zones (unless mitigated), earthquake fault zones (unless compliant with state seismic standards), or prime farmland/historic districts.

Requires local municipalities to ministerially approve, without discretionary review or CEQA scrutiny: (1) a two-unit residential development on a single-family lot (duplex), and/or (2) an urban lot split creating two parcels of roughly equal size (minimum 40% of the original lot area, each at least 1,200 sq. ft.). If a lot split is executed, the applicant must sign an affidavit certifying intention to occupy one of the housing units as their principal residence for a minimum of three years. Preempts local requirements for more than 4-foot side/rear setbacks and local parking minimums if located within 0.5 miles of transit.

Cal. Gov. Code §§ 65852.21 and 66411.7 (effective Jan 1, 2022 via SB 9).

California State Accessory Dwelling Unit (ADU) Development MandateLand use & zoningBinds every parcel

Mandates local governments to ministerially approve attached/detached Accessory Dwelling Units (ADUs) and Junior ADUs (JADUs) on any single-family or multi-family zoned parcel without discretionary hearings or CEQA review within 60 days. Preempts local setbacks (mandating maximum 4-foot side and rear setbacks), prohibits minimum lot size restrictions for ADUs, bans owner-occupancy requirements (for ADUs permitted prior to 2025/pursuant to recent code updates), prohibits local utility impact fees on units under 750 sq. ft., and renders void and unenforceable any private HOA deed restriction or CC&R that prohibits or unreasonably restricts ADU construction.

Cal. Gov. Code §§ 65852.2 and 65852.22 (amended continuously through recent legislative sessions).

Davis-Stirling Common Interest Development Act GovernanceSpecial districts & overlaysConditional

applies when — Applies to parcels situated within a common interest development (condominium project, planned development, community apartment project, or stock cooperative) with recorded CC&Rs and a common interest owners' association.

Binds the parcel to enforceable covenants, conditions, and restrictions (CC&Rs) running with the land. Empowers the association to levy regular and special assessments that become enforceable liens upon the parcel; restricts regular assessment increases exceeding 20% or special assessments exceeding 5% without member vote; establishes strict statutory limits on judicial or non-judicial foreclosure for delinquent assessments (requires delinquent regular assessments of at least $1,800 or delinquency of at least 12 months, subject to a mandatory 90-day post-sale right of redemption under Cal. Civ. Code § 5715); and overrides local HOA rules restricting accessory dwelling units, solar installations, or reasonable drought-tolerant landscaping.

Cal. Civ. Code §§ 4000–6150 (comprehensively recodified effective Jan 1, 2014).

California Homeowner Bill of Rights (HBOR) Mortgage Servicing SafeguardsForeclosure doctrineConditional

applies when — Applies to first-lien mortgages or deeds of trust secured by an owner-occupied, 1-to-4 unit residential property.

Imposes pre-foreclosure servicing requirements on mortgage servicers before an NOD can be recorded: requires a mandatory 30-day pre-default contact or due diligence period (Cal. Civ. Code § 2923.55) to explore loss-mitigation options; strictly prohibits 'dual tracking' (recording an NOD or NOTS or conducting a sale while a complete loss-mitigation application is pending); guarantees a single point of contact (SPOC); and empowers borrowers to obtain injunctive relief, actual damages, and statutory penalties up to $50,000 for material willful violations.

Cal. Civ. Code §§ 2923.55, 2923.6, 2924.12 (originally enacted 2012; permanent provisions reenacted Jan 1, 2019).

California Power-of-Sale Non-Judicial Foreclosure FrameworkForeclosure doctrineBinds every parcel

Permits lenders to execute a non-judicial trustee's sale upon borrower default without prior court approval. The statute establishes strict timeline stages: recording of a Notice of Default (NOD) initiating a mandatory 90-day statutory cure/reinstatement period (under Cal. Civ. Code § 2924c, borrower can reinstate up to 5 business days before sale); followed by recording, posting, and publishing a Notice of Trustee Sale (NOTS) giving at least 20 days notice before the auction date. A trustee's non-judicial sale is definitive with no post-sale statutory right of redemption for the borrower, and the foreclosing lender is barred by anti-deficiency rules (Cal. Code Civ. Proc. § 580d) from seeking a deficiency judgment.

Cal. Civ. Code §§ 2924–2924k; Cal. Code Civ. Proc. § 580d.

California Natural Hazard Disclosure (NHD) Statement MandateHazard & insuranceBinds every parcel

Obligates sellers or their agents to deliver a statutory Natural Hazard Disclosure Statement certifying whether the parcel lies in any of six designated state/federal hazard zones: (1) FEMA Special Flood Hazard Area (100-year flood), (2) Area of Potential Flooding from Dam Inundation, (3) Very High Fire Hazard Severity Zone (VHFHSZ), (4) Wildland Fire Area (State Responsibility Area), (5) Earthquake Fault Zone (Alquist-Priolo), or (6) Seismic Hazard Zone (liquefaction/landslide). For parcels mapped inside these zones, state-mandated land-use setbacks, development restrictions, defensible space maintenance, mandatory flood insurance, or seismic retrofit obligations attach.

Cal. Civ. Code §§ 1103–1103.14.

California Real Estate Transfer Disclosure Statement (TDS) DoctrineDisclosure & transactionBinds every parcel

Mandates that prospective sellers and listing/selling agents deliver a fully executed statutory Real Estate Transfer Disclosure Statement (TDS) disclosing all known material parcel defects, structural issues, boundary encroachments, unpermitted modifications, environmental hazards, and zoning variances. Failure to deliver allows the prospective buyer a statutory right of rescission (3 days after personal delivery or 5 days after mailing) and grounds for civil damages.

Cal. Civ. Code §§ 1102–1102.19.

California Homeowners' Property Tax ExemptionTaxationConditional

applies when — The residential dwelling must be owned and occupied by the taxpayer as their principal place of residence on the January 1 lien date.

Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). Formula: Net Taxable Assessed Value = Gross Factored Base Year Value - $7,000 exemption.

Cal. Const. art. XIII, § 3(k); Cal. Rev. & Tax. Code § 218.

California Proposition 13 Ad Valorem Real Property TaxTaxationBinds every parcel

Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%). The assessed base year value is established at acquisition/change in ownership or completion of new construction, with annual valuation inflation adjustments capped at the lesser of 2.0% or the California Consumer Price Index (CCPI). Formula: Total Annual Property Tax = [(Base Year Assessed Value × (1 + Inflation Factor capped at 2%)^n) - Eligible Exemptions] × (1.0% Base Rate + Voter-Approved Bond Rates) + Fixed Special Assessments / Parcel Taxes.

Cal. Const. art. XIII A (enacted June 6, 1978 via Proposition 13; codified in Cal. Rev. & Tax. Code §§ 50 et seq.).

≈ $4,650/yr on a $465,000 median

Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.