21495 Highland Ter, Monte Rio, CA 95462 Property Records

Sonoma County property record for 21495 Highland Ter, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,052 sqft · built 1906
Lot Size	0.085 acres (3,700 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Dec 2022)
Tax Bill	$5,322 (2025)
Deeds & Mortgages	Dec 2022 Sale Jan 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`095-142-013-000`

Property Details

APN / Parcel Number

Primary APN	`095-142-013-000`
Alternative APN	`095-142-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,052 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,700 sqft (0.085 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	095-142-013
Street Address	21495 HIGHLAND TER
City	MONTE RIO
State	CA
Zip	95462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	UNINCORP COUNTY CA
Legal Subdivision	TIER J MONTE RIO
Legal Block	4
Legal Lot Number	1
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	3
Census Block	3011
Census Tract	153708

Owner

21495 Highland Ter is owned and occupied by an individual who bought it in December 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jan 25, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 27, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage REAL VALUE PROPERTIES LLC
Mar 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage TBF FIN'L I LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2022 · Amount on File
Deed Sale	Dec 1, 2022 · Amount on File
Prior Sale	Jan 25, 2021 · Amount on File
Deed Document Number	202276634
Record Updated	Oct 29, 2026

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Dec 1, 2022
Property Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Document Number	0000076634
Map Reference	MB 15 PG 4
Instrument Date	Nov 29, 2022
Instrument	2022076634
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$445.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21495 HIGHLAND TER, MONTE RIO, CA 95462

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jan 25, 2021
Property Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Document Number	0000008397
Map Reference	MB 15 PG 4
Instrument Date	Jan 21, 2021
Instrument	2021008397
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21495 HIGHLAND TER, MONTE RIO, CA 95462

Mortgage

Document Number	0000008398
Date	Jan 25, 2021
Instrument	2021008398

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SONOMA CA
Recording Date	Nov 27, 2019
Property Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Document Number	0000090567
Instrument Date	Nov 25, 2019
Instrument	90567
Transaction Type	Foreclosure
Record Updated	Dec 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$346.95
Amount Accuracy	Confirmed
Additional	Notice of Default

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1880 CENTURY PARK E #200 LOS ANGELES CA 900671602, 200, LOS ANGELES, CA 90067-1602

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Document Number	0000049198
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1305 FRANKLIN ST #408 OAKLAND CA 946123223, 408, OAKLAND, CA 94612-3223

Mortgage

Document Number	0000049198
Date	Jul 10, 2018
Instrument	49198

Lender

Name	REAL VALUE PROPERTIES LLC
Address	1880 CENTURY PARK E # 200, LOS ANGELES, CA 90067-1602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21495 HIGHLAND TER, MONTE RIO, CA 95462
Document Number	0000030448
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21495 HIGHLAND TER MONTE RIO CA 95462, MONTE RIO, CA 95462

Mortgage

Document Number	0000030448
Date	May 3, 2018
Instrument	30448

Lender

Name	TBF FIN'L I LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 21495 Highland Ter was $5,322.

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		$429,788 (+2%) Land $106,120 Building $323,668
2025	$5,322.00	$421,362 Land $104,040 Building $317,322
2023	$5,108.00 (+5.43%)	$405,000 Land $100,000 Building $305,000
2022	$4,845.00

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

Flood

FEMA maps place 21495 Highland Ter in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective February 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 21495 Highland Ter is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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	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 101 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

Nearby Properties on Highland Ter

Nearby Streets

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