20290 Willow Rd, Monte Rio, CA 95462 Property Records

Sonoma County property record for 20290 Willow Rd, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,074 sqft · built 1952
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Apr 2019)
Tax Bill	$5,350 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`095-221-008-000`

Property Details

APN / Parcel Number

Primary APN	`095-221-008-000`
Alternative APN	`095-221-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,074 sqft Living Area
1st Floor Area	1,074 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	20290 WILLOW RD
City	MONTE RIO
State	CA
Zip	95462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	STARRETT SUB LOT 48
Legal Subdivision	STARRETT SUB
Legal Block	3
Legal Lot Number	48
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	3
Census Block	3008
Census Tract	153708

Owner

Source: Sonoma County records, as of May 6, 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	PO BOX 104, MONTE RIO, CA 95462-0104
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage LARRY R LOVETT
Apr 30, 2019	Grant Deed, Transfer · Conventional with PMI LARRY R & BRIAN R LOVETT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Deed Document Number	201928292
Prior Transfer Date	Dec 11, 2006
Prior Transfer Doc	0000157067
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	20290 WILLOW RD, MONTE RIO, CA 95462
Transaction Type	Mortgage
Record Updated	Oct 17, 2022
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20290 WILLOW RD, MONTE RIO, CA 95462

Mortgage

Document Number	0000062825
Date	Sep 28, 2022
Instrument	2022062825

Lender

Name	LARRY R LOVETT
Type	Private Party
Address	PO BOX 104, MONTE RIO, CA 95462

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Apr 30, 2019
Property Address	20290 WILLOW RD, MONTE RIO, CA 95462
Document Number	0000028292
Instrument Date	Apr 24, 2019
Instrument	28292
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	CORNERSTONE TITLE COMPANY, CORNERSTONE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.50
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	PO BOX 104 MONTE RIO CA 954620104, MONTE RIO, CA 95462-0104

Mortgage

Document Number	28293
Date	Apr 30, 2019
Instrument	28293

Lender

Name	LARRY R & BRIAN R LOVETT
Address	PO BOX 104, MONTE RIO, CA 95462-0104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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	$5,350.00 (+4.19%)	$423,892 (+4.04%) Land $133,860 Building $290,032
2023	$5,135.00 (+2.03%)	$407,434 Land $128,663 Building $278,771
2022	$5,033.00

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	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.08% 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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