20090 Oyster Catcher Loop, Bodega Bay, CA 94923 Property Records

Sonoma County property record for 20090 Oyster Catcher Loop, Bodega Bay, CA 94923

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,161 sqft · built 1987
Lot Size	0.164 acres (7,150 sqft)
Owner	Company Name on Record
Last Sale	$1,395,000 (Oct 2018)
Tax Bill	$17,193 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`100-420-046-000`

Property Details

APN / Parcel Number

Primary APN	`100-420-046-000`
Alternative APN	`100-420-046`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,161 sqft Living Area
Gross Area	3,639 sqft
1st Floor Area	2,661 sqft
Basement Area	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	7,150 sqft (0.164 acres)
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	100-420-046
Street Address	20090 OYSTER CATCHER LOOP
City	BODEGA BAY
State	CA
Zip	94923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CZ
Legal Subdivision	BODEGA HARBOUR UNIT #3
Legal Block	2
Legal Lot Number	9
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	2
Census Block	2008
Census Tract	154305

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	Company Name on Record
Mailing Address	19457 7TH ST E, SONOMA, CA 95476-5823
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
May 23, 2018	Deed of Trust, Mortgage FJM PRIVATE MORTGAGE FUND LLC
Oct 15, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Apr 20, 2004 · Amount on Record
Deed Document Number	201871744
Prior Transfer Date	Dec 16, 2005
Prior Transfer Doc	0000188483
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20090 OYSTER CATCHER LOOP, BODEGA BAY, CA 94923
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19457 7TH ST E, SONOMA, CA 95476-5823

Mortgage

Document Number	0000004165
Date	Jan 19, 2022
Instrument	2022004165

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	8.5%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20090 OYSTER CATCHER LOOP, BODEGA BAY, CA 94923
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037451
Date	May 23, 2018
Instrument	2018037451

Lender

Name	FJM PRIVATE MORTGAGE FUND LLC
Type	Mortgage Company
Address	00000

Agreement

Amount	Amount Recorded

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Oct 15, 2018
Property Address	20090 OYSTER CATCHER LOOP, BODEGA BAY, CA 94923
Document Number	0000071744
Map Reference	MB200 PG1-22
Instrument Date	Oct 2, 2018
Instrument	2018071744
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	19457 7TH ST E, SONOMA, CA 95476-5823

Mortgage

Document Number	0000071745
Date	Oct 15, 2018
Instrument	2018071745

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Unified School District	Shoreline Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,587,266 (+2%) Land $625,803 Building $961,463
2025	$17,193.00 (+2.28%)	$1,556,144 (+4.04%) Land $613,533 Building $942,611
2023	$16,810.00 (+1.21%)	$1,495,718 Land $589,709 Building $906,009
2022	$16,609.00

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 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	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	BODEGA BAY PUBLIC UTILITY DISTRICT serves 1,069 people · EPA ID CA4910021
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2024–2026) 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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