20196 River Blvd, Monte Rio, CA 95462 Property Records

Sonoma County property record for 20196 River Blvd, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,357 sqft · built 1934
Lot Size	0.212 acres (9,230 sqft)
Owner	Individual Name on Record
Last Sale	$855,000 (Nov 2020)
Tax Bill	$10,906 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`095-244-021-000`

Property Details

APN / Parcel Number

Primary APN	`095-244-021-000`
Alternative APN	`095-244-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,357 sqft Living Area
1st Floor Area	1,357 sqft
Basement Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,230 sqft (0.212 acres)
Garage Area	240 sqft

Location & Zoning

Old Parcel Number	095-244-021
Street Address	20196 RIVER BLVD
City	MONTE RIO
State	CA
Zip	95462-9738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	92 FM 95-241-05 # CHG PER MD
Legal Subdivision	MAP OF SUB OF EAST MONTE RIO ADDITION #1
Legal Block	3
Legal Lot Number	63,64
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	3
Census Block	3000
Census Tract	153708

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	Individual Name on Record
Mailing Address	301 MISSION ST, 8C, SAN FRANCISCO, CA 94105-6647
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Nov 12, 2020	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Nov 6, 2020	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	2020106290
Prior Transfer Date	Nov 5, 2020
Prior Transfer Doc	0000103949
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20196 RIVER BLVD, MONTE RIO, CA 95462-9738
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 MISSION ST 8C, 8C, SAN FRANCISCO, CA 94105-6647

Mortgage

Document Number	0000122297
Date	Nov 10, 2021
Instrument	2021122297

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Dec 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Nov 12, 2020
Property Address	20196 RIVER BLVD, MONTE RIO, CA 95462-9738
Document Number	0000106290
Map Reference	MB 21 PG 12
Instrument Date	Nov 10, 2020
Instrument	2020106290
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 MISSION ST APT 8C, 8C, SAN FRANCISCO, CA 94105-6647

Mortgage

Document Number	0000106291
Date	Nov 12, 2020
Instrument	2020106291

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.05%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Index	1-Year CMT
Max Rate	10.5%

November 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SONOMA CA
Recording Date	Nov 6, 2020
Property Address	20196 RIVER BLVD, MONTE RIO, CA 95462-9738
Document Number	0000103949
Instrument Date	Nov 5, 2020
Instrument	103949
Record Updated	Nov 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1123 S CLOVERDALE BLVD #E CLOVERDALE CA 954254413, E, CLOVERDALE, CA 95425-4413

Tax Assessment & Valuation

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	Monte Rio Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$943,986 (+2%) Land $380,906 Building $563,080
2025	$10,906.00 (+4.04%)	$925,478 (+4.04%) Land $373,438 Building $552,040
2023	$10,483.00 (+2.03%)	$889,542 Land $358,938 Building $530,604
2022	$10,274.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	64 in force
Nearby Flood Claims	47 (1995–2025)
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 24 claims Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 3 claims Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 5 claims

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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SWEETWATER SPRINGS CWD - MONTE RIO serves 3,531 people · EPA ID CA4910028
Water Source	Groundwater
Last State Inspection	Oct 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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