21834 Duncan Rd, #A, Monte Rio, CA 95462 Property Records

Sonoma County property record for 21834 Duncan Rd, #A, Monte Rio, CA 95462

Property Summary

Property Type	Triplex
Details	1 bd · 1 ba · 2,067 sqft · built 1920
Lot Size	0.258 acres (11,232 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Jul 1991)
Tax Bill	$5,655 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094-054-003-000`

Property Details

APN / Parcel Number

Primary APN	`094-054-003-000`
Alternative APN	`094-054-003`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	6 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,067 sqft Living Area
1st Floor Area	1,075 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	11,232 sqft (0.258 acres)
Garage Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	094-054-003
Street Address	21834 DUNCAN RD, A
City	MONTE RIO
State	CA
Zip	95462-9706
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RR1
Legal Description	UNINCORP COUNTY CA
Legal Subdivision	SUBDIVISION #1 OF MONTE CRISTO
Legal Block	2
Legal Lot Number	81-83
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	2
Census Block	2012
Census Tract	153707

Owner

21834 Duncan Rd, #A is owned by an individual who acquired it in July 2004.

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

Owner of Record	Individual Name on File
Mailing Address	21834 DUNCAN RD, MONTE RIO, CA 95462-9706
Owner Type	Individual

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
Jul 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jul 6, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 1991 · Amount on File
Deed Sale	Jul 30, 1991 · Amount on File
Deed Document Number	199174147
Last Transfer Date	Jul 26, 2004
Transfer Doc	0000115663
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21834 DUNCAN RD # A, A, MONTE RIO, CA 95462-9706
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21834 DUNCAN RD, MONTE RIO, CA 95462-9706

Mortgage

Document Number	0000047445
Date	Jul 12, 2022
Instrument	2022047445

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jul 6, 2018
Property Address	21834 DUNCAN RD # A, A, MONTE RIO, CA 95462-9706
Document Number	0000048693
Instrument Date	Jun 13, 2018
Instrument	48693
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.50
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1361 LA PLAYA ST #APT29 SAN FRANCISCO CA 941221041, SAN FRANCISCO, CA 94122-1041

Mortgage

Document Number	48694
Date	Jul 6, 2018
Instrument	48694

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21834 Duncan Rd, #A was $5,655.

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		$438,057 (+2%) Land $79,645 Building $358,412
2025	$5,655.00	$429,469 Land $78,084 Building $351,385
2023	$5,421.00 (+2.11%)	$412,794 Land $75,052 Building $337,742
2022	$5,309.00

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

Flood

FEMA maps place 21834 Duncan Rd, #A in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 21834 Duncan Rd, #A is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% 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 (outdoors only) and 4G LTE

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