1885 Joy Ridge Rd, Occidental, CA 95465 Property Records

Sonoma County property record for 1885 Joy Ridge Rd, Occidental, CA 95465

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,955 sqft · built 1971
Lot Size	11.5 acres (501,811 sqft)
Owner	Trust Name on File
Last Sale	$194,000 (Sep 1988)
Tax Bill	$5,901 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`073-240-053-000`

Property Details

APN / Parcel Number

Primary APN	`073-240-053-000`
Alternative APN	`073-240-053`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,955 sqft Living Area
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	501,811 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	073-240-053
Street Address	1885 JOY RIDGE RD
City	OCCIDENTAL
State	CA
Zip	95465-9215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR10
Legal Description	1971 FORM PT OF 73-240-49
Legal Subdivision	PARCEL NO 2155
Legal Block	3
Legal Lot Number	3
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	3
Census Block	3006
Census Tract	154305

Owner

1885 Joy Ridge Rd is owner-occupied and held in a trust since January 2017.

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

Owner of Record	Trust Name on File
Mailing Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215
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
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 1988 · Amount on File
Deed Sale	Sep 20, 1988 · Amount on File
Deed Document Number	198879424
Last Transfer Date	Jan 31, 2017
Transfer Doc	0000010883
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215

Mortgage

Document Number	0000125873
Date	Nov 22, 2021
Instrument	2021125873

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215

Mortgage

Document Number	0000108484
Date	Nov 17, 2020
Instrument	2020108484

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jul 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SONOMA CA
Recording Date	Feb 10, 2017
Property Address	1885 JOY RIDGE RD, OCCIDENTAL, CA 95465-9215
Document Number	0000010883
Instrument Date	Jan 31, 2017
Instrument	10883
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1885 JOY RIGDGE RD OCCIDENTAL CA 95465, OCCIDENTAL, CA 95465

Tax Assessment & Valuation

The 2025 property tax bill for 1885 Joy Ridge Rd was $5,901 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Secondary School District	West Sonoma County Union High School District (09 - 12)
Elementary School District	Harmony Union School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$474,841 (+2%) Land $219,553 Building $255,288
2025	$5,901.00 Homeowner's exemption	$465,532 Land $215,249 Building $250,283
2023	$5,577.00 (+1.75%) Homeowner's exemption	$447,457 Land $206,892 Building $240,565
2022	$5,481.00

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

Flood

FEMA maps place 1885 Joy Ridge Rd in Zone D, where flood risk has not been studied, though there have been 1 flood claim nearby since 2006.

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

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides

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 1885 Joy Ridge Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Race Communications Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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