1231 el Cobar Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 1231 el Cobar Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,532 sqft · built 1991
Lot Size	0.143 acres (6,224 sqft)
Owner	2 Company Names on Record
Last Sale	$156,000 (Sep 1993)
Tax Bill	$3,850 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`161-440-027-000`

Property Details

APN / Parcel Number

Primary APN	`161-440-027-000`
Alternative APN	`161-440-027`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,532 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,532 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,224 sqft (0.143 acres)
Garage Type	Attached
Garage Area	482 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	161-440-027
Street Address	1231 EL COBAR CT
City	WINDSOR
State	CA
Zip	95492-7804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	TRACT 860 LOT 57
Legal Subdivision	FOOTHILL PARK 860
Legal Tract	860
Legal Block	3
Legal Lot Number	57
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	3
Census Block	3000
Census Tract	153806

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CREDIT UNION
Oct 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 11, 2023	Intrafamily Transfer, Transfer
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Apr 23, 2019	Deed of Trust, Mortgage · Conventional with PMI GLOBAL EQUITY FIN
Apr 13, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 1993 · Amount on Record
Deed Sale	Sep 22, 1993 · Amount on Record
Deed Document Number	1993119053
Last Transfer Date	Aug 28, 2023
Transfer Doc	0000042208
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Recording Date	Jul 13, 2026
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000035427
Instrument Date	Jul 7, 2026
Instrument	202635427
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000035427,
Date	Jul 13, 2026
Instrument	202635427

Lender

Name	REDWOOD CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TTL RESIDENTAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000045891
Date	Oct 3, 2023
Instrument	2023045891

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Sep 11, 2023
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000042208
Map Reference	MB 495 PG 11-23
Instrument Date	Aug 28, 2023
Instrument	2023042208
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	PREMIUM TITLE/CA INC, PREMIUM TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000109821
Date	Oct 4, 2021
Instrument	2021109821

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051032
Date	Jun 26, 2020
Instrument	2020051032

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000028334
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 EL COBAR CT WINDSOR CA 954927804, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000028334
Date	Apr 30, 2019
Instrument	28334

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000026825
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 3, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 EL COBAR CT WINDSOR CA 954927804, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000026825
Date	Apr 19, 2018
Instrument	26825

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1231 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000063009
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 EL COBAR CT WINDSOR CA 954927804, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000063009
Date	Aug 15, 2017
Instrument	63009

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 14, 2027

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		$308,700 (+2%) Land $113,997 Building $194,703
2025	$3,850.00 (+4.14%) Homeowner's exemption	$302,648 (+4.04%) Land $111,762 Building $190,886
2023	$3,697.00 (+1.82%) Homeowner's exemption	$290,898 Land $107,423 Building $183,475
2022	$3,631.00

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
Nearby Flood Policies	7 in force

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 573 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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