408 Cayetano Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 408 Cayetano Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,900 sqft · built 1989
Lot Size	0.178 acres (7,770 sqft)
Owner	Trust Name on File
Last Sale	$795,000 (Oct 2020)
Tax Bill	$10,197 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-060-043-000`

Property Details

APN / Parcel Number

Primary APN	`162-060-043-000`
Alternative APN	`162-060-043`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
Gross Area	2,598 sqft
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	7,770 sqft (0.178 acres)
Garage Type	Attached
Garage Area	698 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	162-060-043
Street Address	408 CAYETANO CT
City	WINDSOR
State	CA
Zip	95492-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	91 FM 065-750-43 # CHG PER MD LT 43 FOOTHILL OAKS2
Legal Subdivision	FOOTHILL OAKS UNIT 2 TRACT #807
Legal Block	2
Legal Lot Number	43
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	2
Census Block	2005
Census Tract	153807

Owner

408 Cayetano Ct is owner-occupied and held in a trust since October 2020.

Source: Sonoma County records, as of October 7, 2026

Owner of Record	Trust Name on File
Mailing Address	PO BOX 1124, WINDSOR, CA 95492-1124
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK
Oct 22, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Nov 22, 2013 · Amount on File
Deed Document Number	202096789
Prior Transfer Date	Dec 6, 2000
Prior Transfer Doc	0000128503
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Recording Date	Sep 30, 2026
Property Address	408 CAYETANO CT, WINDSOR, CA 95492-8311
Document Number	0000050018
Instrument Date	Sep 25, 2026
Instrument	202650018
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust, 220
Address	408 CAYETANO CT, WINDSOR, CA 95492-8311

Mortgage

Document Number	0000050018,
Date	Sep 30, 2026
Instrument	202650018

Lender

Name	EXCHANGE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	408 CAYETANO CT, WINDSOR, CA 95492-8311
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 CAYETANO CT, WINDSOR, CA 95492-8311

Mortgage

Document Number	0000105907
Date	Sep 22, 2021
Instrument	2021105907

Lender

Name	EXCHANGE BANK
Type	Bank
Address	SANTA ROSA, CA 95402

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Oct 22, 2020
Property Address	408 CAYETANO CT, WINDSOR, CA 95492-8311
Document Number	0000096789
Map Reference	MB 424 PG 42-50
Instrument Date	Oct 12, 2020
Instrument	2020096789
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	Family Living Trust
Address	PO BOX 1124, WINDSOR, CA 95492-1124

Mortgage

Document Number	0000096790
Date	Oct 22, 2020
Instrument	2020096790

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	408 CAYETANO CT, WINDSOR, CA 95492-8311
Document Number	0000011536
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	408 CAYETANO CT WINDSOR CA 954928311, WINDSOR, CA 95492-8311

Mortgage

Document Number	0000011536
Date	Feb 14, 2017
Instrument	11536

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 408 Cayetano Ct was $10,197 with a homeowner's exemption.

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		$877,740 (+2%) Land $351,096 Building $526,644
2025	$10,197.00 Homeowner's exemption	$860,530 Land $344,212 Building $516,318
2023	$9,776.00 (+1.78%) Homeowner's exemption	$827,117 Land $330,847 Building $496,270
2022	$9,605.00

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

Flood

FEMA maps place 408 Cayetano 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 408 Cayetano 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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