2070 Joy Ridge Rd, Occidental, CA 95465 Property Records

Sonoma County property record for 2070 Joy Ridge Rd, Occidental, CA 95465

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,936 sqft · built 1998
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$812,000 (Jul 2016)
Tax Bill	$11,154 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`073-330-020-000`

Property Details

APN / Parcel Number

Primary APN	`073-330-020-000`
Alternative APN	`073-330-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,936 sqft Living Area
Gross Area	2,336 sqft
1st Floor Area	872 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Other
Construction Type	Wood
Lot Area	98,010 sqft
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	073-330-020
Street Address	2070 JOY RIDGE RD
City	OCCIDENTAL
State	CA
Zip	95465-9332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR10
Legal Description	UNINCORP COUNTY CA
Legal Subdivision	REDWOOD TRACT
Legal Block	3
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	3
Census Block	3006
Census Tract	154305

Owner

2070 Joy Ridge Rd is owned and occupied by two individuals who bought it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 10, 2020	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2016 · Amount on File
Deed Sale	Jul 19, 2016 · Amount on File
Prior Sale	Nov 3, 1999 · Amount on File
Deed Document Number	201661506
Prior Transfer Date	Apr 2, 2014
Prior Transfer Doc	0000023019
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332

Mortgage

Document Number	0000042006
Date	Apr 5, 2021
Instrument	2021042006

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069392
Date	Sep 26, 2019
Instrument	2019069392

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2070 JOY RIDGE RD, OCCIDENTAL, CA 95465-9332

Mortgage

Document Number	0000080057
Date	Sep 10, 2020
Instrument	2020080057

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 10, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 2070 Joy Ridge Rd was $11,154.

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		$961,235 (+2%) Land $355,136 Building $606,099
2025	$11,154.00	$942,388 Land $348,173 Building $594,215
2023	$10,494.00 (+1.92%)	$905,796 Land $334,654 Building $571,142
2022	$10,296.00

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

Flood

FEMA maps place 2070 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 2070 Joy Ridge Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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

4G LTE (outdoors only), no 5G reported

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