28909 River Rd, Cloverdale, CA 95425 Property Records

Sonoma County property record for 28909 River Rd, Cloverdale, CA 95425

Property Summary

Property Type	Vineyard
Details	2 bd · 2 ba · 2,977 sqft · built 1935
Lot Size	13.5 acres (590,673 sqft)
Owner	2 Individual Names on File
Last Sale	$453,500 (Aug 2016)
Tax Bill	$7,229 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`116-270-004-000`

Property Details

APN / Parcel Number

Primary APN	`116-270-004-000`
Alternative APN	`116-270-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,977 sqft Gross Area
1st Floor Area	1,621 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1990
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	590,673 sqft (13.5 acres)
Garage Type	Attached
Garage Area	1,356 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	116-270-004
Street Address	28909 RIVER RD
City	CLOVERDALE
State	CA
Zip	95425-4122
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Vineyard
Local Zoning Code	LIA20
Legal Description	BUSINESS CODE: A1
Legal Block	3
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	3
Census Block	3001
Census Tract	154201

Owner

Source: Sonoma County records · APN 116-270-004-000

Assessment roll updated April 13, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	28909 RIVER RD, CLOVERDALE, CA 95425-4122
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jun 24, 2019	Deed of Trust, Mortgage · ARM UMPQUA BANK
Jul 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2016 · Amount on Record
Deed Sale	Aug 29, 2016 · Amount on Record
Prior Sale	Oct 15, 2014 · Amount on Record
Deed Document Number	201675292
Prior Transfer Date	Aug 25, 2016
Prior Transfer Doc	0000075291
Record Updated	Jun 08, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	28909 RIVER RD, CLOVERDALE, CA 95425-4122
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028543
Date	Apr 13, 2017
Instrument	2017028543

Lender

Name	UMPQUA BANK
Type	Bank
Address	WINDSOR, CA 95492

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	28909 RIVER RD, CLOVERDALE, CA 95425-4122
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042299
Date	Jun 24, 2019
Instrument	2019042299

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	28909 RIVER RD, CLOVERDALE, CA 95425-4122
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051020
Date	Jul 24, 2019
Instrument	2019051020

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99216

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Sonoma County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Unified School District	Cloverdale Unified School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$7,229.00 (-11.27%) Additional exemption filed	$617,920 (-10.55%) Land $130,833 Building $487,087
2023	$8,147.00 (+1.88%) Additional exemption filed	$690,821 Land $141,940 Building $548,881
2022	$7,997.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1995–2014)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Dec 2014 · other causes
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 14 locations within half a mile of this property.

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