The Local Toolkit

By Matt Smith · NorCal

Matt Smith Realty →

FOR LAKE · NAPA · SONOMA · MARIN · MENDOCINO · SACRAMENTO

NorCal home tools, built for the way real buyers and sellers actually decide.

Live mortgage rates with real per-county taxes. Real fire-risk data straight from CAL FIRE. Drive times that respect rush hour. Internet you'll actually get. Microclimates so you know if your tomatoes will ripen. All free. No accounts. No ads.

🏡 If you're thinking of selling

What's my home worth?

Free instant home value, NorCal-tuned. Wiring up MLS comps and per-county adjustments now.

Recent sold comps

Just-sold homes near yours with photos and price-per-square-foot. Wiring up MLS connection.

Coming soon SOON

Step-by-step prep, pricing strategy, AB 38 fire inspection, disclosures, and timeline.

See what's coming

🔍 If you're thinking of buying

Full IDX search across the six counties with the filters that actually matter.

Open search BETA

Mortgage calculator

Live Freddie Mac rates. Real per-county taxes. Fire-zone insurance multiplier. Mello-Roos awareness. Nothing fake.

Calculate payment SOON

Pre-approval to closing. NorCal-specific disclosures, inspection types, and contingency strategy.

See what's coming

🗺️ Explore the area

Points of Interest

Every hidden gem, local favorite, and quiet spot across the six counties. Ranked by real reviews.

Open POI map BETA

Hand the phone to the kids. Auto-scrolling places, real local history, hands-free voice.

Schools dashboard

Top-rated public and private schools, ratings, demographics, and commute times by district.

NorCal microclimate

Mt Tam fog belt vs. Sacramento heat in the same day. Sunset zones, fog hours, rainfall, wind.

Compare climates

🛠️ When it gets real

Smart property disclosure analyzer for buyers and sellers. Knows what to flag, what to ask.

Fire risk lookup

Real CAL FIRE Hazard Severity Zone for any address. FAIR Plan stats, fire history, PSPS history. Facts only.

Check an address

Well / septic / sewer

City sewer or septic? Well or district water? Critical to know before you offer. Per-county chart plus address lookup.

Check this property

NorCal moving checklist

Personalized by buyer or seller and by your closing date. AB 38, PG&E, county trash hauler, DMV. Built for NorCal.

Build my list SOON

Commute estimator

From any NorCal address to SF, San Jose, Sacramento, San Rafael, Petaluma, Berkeley. AM rush, midday, PM rush, weekend.

See what's coming SOON

FCC plus real-world Ookla speeds. Sonic, Geek Fiber, Xfinity, Starlink availability by address.

See what's coming SOON

Preferred vendors

Inspectors, lenders, contractors, movers, gardeners. Locals Matt trusts personally.

See what's coming

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