10809 Rio Ruso Dr, Windsor, CA 95492 Property Records

Sonoma County property record for 10809 Rio Ruso Dr, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 2003
Lot Size	0.14 acres (6,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Mar 2003)
Tax Bill	$7,300 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161-040-043-000`

Property Details

APN / Parcel Number

Primary APN	`161-040-043-000`
Alternative APN	`161-040-043`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	2,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	6,090 sqft (0.14 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	161-040-043
Street Address	10809 RIO RUSO DR
City	WINDSOR
State	CA
Zip	95492-8012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	98FM161-040-30 &35 LOS ROBLES MEADOWS PH1&2 LOT 4
Legal Subdivision	LOS ROBLES MEADOWS
Legal Block	3
Legal Lot Number	4
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	3
Census Block	3004
Census Tract	153808

Owner

Source: Sonoma County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10809 RIO RUSO DR, WINDSOR, CA 95492-8012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2003 · Amount on Record
Deed Sale	Mar 4, 2003 · Amount on Record
Deed Document Number	200341214
Last Transfer Date	Mar 8, 2005
Transfer Doc	0000033885
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	10809 RIO RUSO DR, WINDSOR, CA 95492-8012
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10809 RIO RUSO DR, WINDSOR, CA 95492-8012

Mortgage

Document Number	0000004307
Date	Jan 20, 2022
Instrument	2022004307

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	10809 RIO RUSO DR, WINDSOR, CA 95492-8012
Document Number	0000087279
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10809 RIO RUSO DR WINDSOR CA 954928012, WINDSOR, CA 95492-8012

Mortgage

Document Number	0000087279
Date	Nov 26, 2019
Instrument	87279

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

Tax Assessment & Valuation

Source: Sonoma County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Municipality	Windsor Town
Unified School District	Windsor Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$618,985 (+2%) Land $192,043 Building $426,942
2025	$7,300.00 (+4.29%) Homeowner's exemption	$606,849 (+4.04%) Land $188,278 Building $418,571
2023	$7,000.00 (+1.8%) Homeowner's exemption	$583,286 Land $180,968 Building $402,318
2022	$6,876.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective February 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF WINDSOR serves 25,561 people · EPA ID CA4910017
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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