13970 Clow Ridge Rd, Philo, CA 95466 Property Records

Mendocino County property record for 13970 Clow Ridge Rd, Philo, CA 95466

Property Summary

Property Type	Exempt (Full or Partial)
Details	2,742 sqft · built 1982
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (May 2011)
Tax Bill	$4,887 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-292-08`

Property Details

APN / Parcel Number

Primary APN	`026-292-08`
Alternative APN	`026-292-08-00`

Interior

Building Area	2,742 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	1,742,400 sqft

Location & Zoning

Old Parcel Number	026-292-08
Street Address	13970 CLOW RIDGE RD
City	PHILO
State	CA
Zip	95466-9452
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	FL160
Legal Description	THE SW 1/4 OF THE SE 1/4 OF SEC 26, T15N, R15W, MDB&M.
Legal Range	15W
Legal Township	15N
Legal Section	26
Legal Block	1
Legal Lot Number	8
Jurisdiction	MENDOCINO CA
Township / Civil Division	MENDOCINO
Census Block Group	1
Census Block	1100
Census Tract	11200

Owner

Source: Mendocino County records, as of August 12, 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	7 DUNSTER RD, MOUNT KISCO, NY 10549-4219
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit SONOMA FEDERAL CU
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2011 · Amount on Record
Deed Sale	May 10, 2011 · Amount on Record
Deed Document Number	20116380
Prior Transfer Date	Mar 14, 2000
Prior Transfer Doc	0000004321
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MENDOCINO CA
Property Address	13970 CLOW RIDGE RD, PHILO, CA 95466-9452
Transaction Type	Mortgage
Record Updated	Nov 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 466, PHILO, CA 95466-0466

Mortgage

Document Number	0000012507
Date	Nov 7, 2022
Instrument	2022-12507

Lender

Name	SONOMA FEDERAL CU
Type	Credit Union
Address	SANTA ROSA, CA 95405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 6, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MENDOCINO CA
Property Address	13970 CLOW RIDGE RD, PHILO, CA 95466-9452
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13970 CLOW RIDGE RD, PHILO, CA 95466-9452

Mortgage

Document Number	0000001746
Date	Feb 4, 2021
Instrument	2021-01746

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

Source: Mendocino County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	California
County	Mendocino County
Unified School District	Anderson Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$438,339 (+1.95%) Land $267,159 Building $171,180
2025	$4,887.00 (+2.2%)	$429,937 (+3.87%) Land $262,113 Building $167,824
2023	$4,782.00 (+10.8%)	$413,901 Land $252,593 Building $161,308
2020	$4,316.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Further Reach Fixed Wireless · DSL in parts of the area	200 / 200
101Netlink Fixed Wireless	100 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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