404 Encinosa Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 404 Encinosa Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,237 sqft · built 1989
Lot Size	0.151 acres (6,594 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (May 2020)
Tax Bill	$10,349 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162-060-015-000`

Property Details

APN / Parcel Number

Primary APN	`162-060-015-000`
Alternative APN	`162-060-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,237 sqft Living Area
1st Floor Area	1,277 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	6,594 sqft (0.151 acres)
Garage Area	615 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	162-060-015
Street Address	404 ENCINOSA CT
City	WINDSOR
State	CA
Zip	95492-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	LOT 15, FOOTHILL OAKS UNIT 2
Legal Subdivision	FOOTHILL OAKS 02
Legal Block	2
Legal Lot Number	15
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	2
Census Block	2005
Census Tract	153807

Owner

404 Encinosa Ct is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 ENCINOSA CT, WINDSOR, CA 95492-8310
Occupancy	Owner Occupied
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
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 1, 2020	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on File
Deed Sale	May 1, 2020 · Amount on File
Prior Sale	Jan 20, 2015 · Amount on File
Deed Document Number	202033016
Prior Transfer Date	Aug 1, 2005
Prior Transfer Doc	0000117847
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	404 ENCINOSA CT, WINDSOR, CA 95492-8310
Transaction Type	Mortgage
Record Updated	Feb 2, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 ENCINOSA CT, WINDSOR, CA 95492-8310

Mortgage

Document Number	0000002596
Date	Jan 20, 2023
Instrument	2023002596

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	May 1, 2020
Property Address	404 ENCINOSA CT, WINDSOR, CA 95492-8310
Document Number	0000033016
Map Reference	MB 424 PG 42-50
Instrument Date	Apr 21, 2020
Instrument	2020033016
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
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 with Right of Survivorship
Address	404 ENCHLNOSE COURT, WINDSOR, CA 95492

Mortgage

Document Number	0000033017
Date	May 1, 2020
Instrument	2020033017

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 404 Encinosa Ct was $10,349.

Source: Sonoma County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Municipality	Windsor Town
Unified School District	Windsor Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$886,831 (+2%) Land $354,732 Building $532,099
2025	$10,349.00	$869,443 Land $347,777 Building $521,666
2023	$9,926.00 (+1.75%)	$835,683 Land $334,273 Building $501,410
2022	$9,755.00

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

Flood

FEMA maps place 404 Encinosa Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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
Nearby Flood Claims	4 (1983–1997)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides

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 404 Encinosa Ct is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF WINDSOR serves 25,561 people · EPA ID CA4910017
Water Source	Groundwater
Last State Inspection	Aug 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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