21555 Duncan Rd, Monte Rio, CA 95462 Property Records

Sonoma County property record for 21555 Duncan Rd, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1940
Lot Size	1.05 acres (46,173 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Oct 1996)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094-040-004-000`

Property Details

APN / Parcel Number

Primary APN	`094-040-004-000`
Alternative APN	`094-040-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	46,173 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	094-040-004
Street Address	21555 DUNCAN RD
City	MONTE RIO
State	CA
Zip	95462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRD160
Legal Description	1973 FORM PT OF 94-040-01
Legal Block	2
Legal Lot Number	2
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	2
Census Block	2011
Census Tract	153707

Owner

21555 Duncan Rd is owned and occupied by two individuals who bought it in October 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 543, MONTE RIO, CA 95462-0543
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
Mar 27, 2017	Deed of Trust, Mortgage · VA Mortgage STONEGATE MORTGAGE CORP
Aug 12, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 1, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 1996 · Amount on File
Deed Sale	Oct 2, 1996 · Amount on File
Deed Document Number	199687632
Prior Transfer Date	Dec 2, 1994
Prior Transfer Doc	0000137068
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21555 DUNCAN RD, MONTE RIO, CA 95462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023682
Date	Mar 27, 2017
Instrument	2017023682

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21555 DUNCAN RD, MONTE RIO, CA 95462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055658
Date	Aug 12, 2019
Instrument	2019055658

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21555 DUNCAN RD, MONTE RIO, CA 95462
Document Number	0000037861
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21555 DUNCAN RD MONTE RIO CA 95462, MONTE RIO, CA 95462

Mortgage

Document Number	0000037861
Date	May 19, 2020
Instrument	37861

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21555 DUNCAN RD, MONTE RIO, CA 95462
Document Number	0000087475
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 7, 2017
Title Company	LINEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21555 DUNCAN RD MONTE RIO CA 95462, MONTE RIO, CA 95462

Mortgage

Document Number	0000087475
Date	Nov 14, 2017
Instrument	87475

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 21555 Duncan Rd was $3,541 with a homeowner's exemption.

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		$291,121 (+2%) Land $224,588 Building $66,533
2025	$3,541.00 Homeowner's exemption	$285,414 Land $220,185 Building $65,229
2023	$3,382.00 (+2.18%) Homeowner's exemption	$274,333 Land $211,636 Building $62,697
2022	$3,310.00

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

Flood

FEMA maps place 21555 Duncan Rd in Zone X, an area of minimal flood risk, though there have been 13 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 30 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	13 (1995–2025)
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 2 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 21555 Duncan Rd is moderate, ranking above 48% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.07% 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 49 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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