Real Estate Investing in Annapolis, California (95412)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95412 (Annapolis, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 26.3% of homes vacant — above national norms.
- Declining values: -4.6% 5-year CAGR — values have moved lower.
- 1-year downturn: Values declined 9.0% in the last year.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Annapolis, CA (95412)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 95412 Annapolis
ZIP 95412 in Annapolis, CA carries a impressive set of headwinds. Home values near $920K and rents of $2,223/mo sit inside a market where underwriting has to be tight.
Rent of $2,223/mo on a $920K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 95412 sits below the stated 0.0% once reality is priced in.
Statewide comparisons place 95412 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
On the rental side, 227 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
New investors are better served looking at Annapolis's stable or hybrid ZIPs before stepping into 95412. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Annapolis:
Market Trends
Home Value History (with trend line)
📊 How Does 95412 Compare?
| Metric | 95412 | Annapolis | Santa Rosa-Petaluma, CA | California |
|---|---|---|---|---|
| Home Value | $920,366 | $920,366 | N/A | $761,003 |
| 5-Year CAGR | N/A | N/A | N/A | 5.7% |
| Avg Rent | $2,223 | $2,223 | N/A | - |
| Cap Rate | 1.9% | 1.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95412 (Annapolis, CA). Anonymous, moderated, never written by AI.
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Property managers serving Sonoma County
Manage rentals here? List your business →PURE Property Management of California aims to provide simple and satisfying rental experiences for all. summary from their website
Prestige Real Estate & Property Management offers Santa Rosa Property Management services. summary from their website
The Professional Property Management Association of San Francisco (PPMA) represents professional management of residential and commercial space in San Francisco. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $920,366 |
| Monthly Rent | $2,223 |
| Price-to-Rent | 34.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.9% |
| Cap Rate | 1.9% |
| 5-Year IRR | N/A |
📈 Home Appreciation
| 1-Year | -9.0% ▼ |
| 3-Year CAGR | -8.2% ▼ |
| 5-Year CAGR | -4.6% ▼ |
| 10-Year CAGR | -0.1% ▼ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 95412
Population: 227
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 95412
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
Frequently Asked Questions
Is Annapolis in CA worth investing in?
Annapolis, CA scores 2.0/5 for investability. Home values sit at $920K and rents near $2,223/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
How much rent can I charge in Annapolis, CA?
Rental rates in Annapolis, CA average $2,223/mo. Tenant demand and $920K home values make the yield look reasonable by investor standards.
Is Annapolis, CA better for rentals, flips, or BRRRR?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Annapolis, CA. The numbers - $920K homes against $2,223/mo rents - support that play.
Does house hacking make sense in Annapolis, CA?
The a challenging house-hack environment in Annapolis, CA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Are tenants stable in Annapolis, CA?
The tenant pool in Annapolis, CA is solid, supported by local employment and population fundamentals. Rents of $2,223/mo are well-absorbed by the market.
You know 95412 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95412 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 95412 ranks in Santa Rosa-Petaluma, CA
Every ZIP in this metro, ranked. Free.
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