21920 Duncan Rd, Monte Rio, CA 95462 Property Records

Sonoma County property record for 21920 Duncan Rd, Monte Rio, CA 95462

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 594 sqft · built 1959
Lot Size	0.089 acres (3,864 sqft)
Owner	Individual Name on Record
Last Sale	$547,000 (Jul 2022)
Tax Bill	$6,958 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094-026-004-000`

Property Details

APN / Parcel Number

Primary APN	`094-026-004-000`
Alternative APN	`094-026-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	594 sqft Living Area
Basement Area	140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,864 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	094-026-004
Street Address	21920 DUNCAN RD
City	MONTE RIO
State	CA
Zip	95462-9769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	MONTE CRISTO SUB #1 LOT 36
Legal Subdivision	MONTE CRISTO SUB
Legal Block	2
Legal Lot Number	36
Jurisdiction	SONOMA CA
Township / Civil Division	RUSSIAN RIVER-SONOMA COAST
Census Block Group	2
Census Block	2012
Census Tract	153707

Owner

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 Record
Mailing Address	832 SHATTUCK AVE, BERKELEY, CA 94707-2020
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 6, 2017	Grant Deed, Transfer · Conventional with PMI OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	202248430
Prior Transfer Date	May 23, 1994
Prior Transfer Doc	0000070383
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jul 15, 2022
Property Address	21920 DUNCAN RD, MONTE RIO, CA 95462-9769
Document Number	0000048430
Map Reference	MB 21 PG 13
Instrument Date	Jul 12, 2022
Instrument	2022048430
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$601.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	832 SHATTUCK AVE, BERKELEY, CA 94707-2020

Mortgage

Document Number	0000048431
Date	Jul 15, 2022
Instrument	2022048431

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	21920 DUNCAN RD, MONTE RIO, CA 95462-9769
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 246, MONTE RIO, CA 95462-0246

Mortgage

Document Number	0000019821
Date	Feb 18, 2021
Instrument	2021019821

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Dec 6, 2017
Property Address	21920 DUNCAN RD, MONTE RIO, CA 95462-9769
Document Number	0000093751
Instrument Date	Nov 29, 2017
Instrument	93751
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$467.00
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	21920 DUNCAN RD MONTE RIO CA 954629769, MONTE RIO, CA 95462-9769

Mortgage

Document Number	93752
Date	Dec 6, 2017
Instrument	93752

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

Tax Assessment & Valuation

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		$580,479 (+2%) Land $238,771 Building $341,708
2025	$6,958.00 (+4.11%)	$569,098 (+4.04%) Land $234,090 Building $335,008
2023	$6,683.00 (+19.79%)	$547,000 Land $225,000 Building $322,000
2022	$5,579.00

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 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 Record 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

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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