20215 Willow Rd, Monte Rio, CA 95462 Property Records

Sonoma County property record for 20215 Willow Rd, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,160 sqft · built 1953
Lot Size	0.276 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Aug 2025)
Tax Bill	$6,869 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Apr 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`095-224-005-000`

Property Details

APN / Parcel Number

Primary APN	`095-224-005-000`
Alternative APN	`095-224-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	12,000 sqft (0.276 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	095-224-005
Street Address	20215 WILLOW RD
City	MONTE RIO
State	CA
Zip	95462-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	UNINCORP COUNTY CA
Legal Subdivision	STARRETT SUBDIVISION TRACT #51
Legal Tract	51
Legal Block	3
Legal Lot Number	13,14
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 April 13, 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	20215 WILLOW RD, MONTE RIO, CA 95462-9757
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit REDWOOD CU
Apr 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU
Jan 15, 2020	Grant Deed, Transfer · Conventional Mortgage REDWOOD CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Jan 15, 2020 · Amount on Record
Deed Document Number	202541484
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757

Mortgage

Document Number	0000003820
Date	Jan 18, 2022
Instrument	2022003820

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026362
Date	Apr 5, 2017
Instrument	2017026362

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2037

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757

Mortgage

Document Number	0000050343
Date	Apr 23, 2021
Instrument	2021050343

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jan 15, 2020
Property Address	20215 WILLOW RD, MONTE RIO, CA 95462-9757
Document Number	0000003307
Instrument Date	Jan 7, 2020
Instrument	3307
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20215 WILLOW RD MONTE RIO CA 954629757, MONTE RIO, CA 95462-9757

Mortgage

Document Number	3308
Date	Jan 15, 2020
Instrument	3308

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Tax Assessment & Valuation

Source: Sonoma County assessment roll, as of April 13, 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
2025	$6,869.00 (+4.12%)	$561,036 (+4.04%) Land $174,981 Building $386,055
2023	$6,597.00 (+2.03%)	$539,252 Land $168,187 Building $371,065
2022	$6,466.00

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	No
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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