1240 el Cobar Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 1240 el Cobar Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,441 sqft · built 1991
Lot Size	0.144 acres (6,254 sqft)
Owner	Trust Name on File
Last Sale	$248,000 (Aug 1999)
Tax Bill	$4,695 (2025)
Deeds & Mortgages	Jun 2022 Reverse Mortgage Jul 2019 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161-440-026-000`

Property Details

APN / Parcel Number

Primary APN	`161-440-026-000`
Alternative APN	`161-440-026`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,441 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,254 sqft (0.144 acres)

Location & Zoning

Old Parcel Number	161-440-026
Street Address	1240 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	000000860 MAP A1 00103
Legal Subdivision	FOOTHILL PARK TRACT #860
Legal Tract	860
Legal Block	3
Legal Lot Number	58
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	3
Census Block	3000
Census Tract	153806

Owner

1240 el Cobar Ct is owner-occupied and held in a trust since July 2019.

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

Owner of Record	Trust Name on File
Mailing Address	1240 EL COBAR CT, WINDSOR, CA 95492-7804
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 19, 2019	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 1999 · Amount on File
Deed Sale	Aug 13, 1999 · Amount on File
Prior Sale	Sep 27, 1993 · Amount on File
Deed Document Number	1999103207
Last Transfer Date	Jul 15, 2019
Transfer Doc	0000049758
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1240 EL COBAR CT, WINDSOR, CA 95492-7804
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 EL COBAR CT, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000041699
Date	Jun 15, 2022
Instrument	2022041699

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.26%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.26%

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Jul 19, 2019
Property Address	1240 EL COBAR CT, WINDSOR, CA 95492-7804
Document Number	0000049758
Map Reference	MB 495 PG 11-23
Instrument Date	Jul 15, 2019
Instrument	2019049758
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Revocable Trust
Address	1240 EL COBAR CT, WINDSOR, CA 95492-7804

Mortgage

Document Number	0000049759
Date	Jul 19, 2019
Instrument	2019049759

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.94%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 1240 el Cobar Ct was $4,695 with a homeowner's exemption.

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		$388,779 (+2%) Land $133,248 Building $255,531
2025	$4,695.00 Homeowner's exemption	$381,157 Land $130,636 Building $250,521
2023	$4,507.00 (+1.74%) Homeowner's exemption	$366,358 Land $125,564 Building $240,794
2022	$4,430.00

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

Flood

FEMA maps place 1240 el Cobar Ct in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 1240 el Cobar Ct is low, with a 0.03% annual chance of 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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