42089 River Rd, Cloverdale, CA 95425 Property Records

Sonoma County property record for 42089 River Rd, Cloverdale, CA 95425

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1950
Lot Size	0.371 acres (16,160 sqft)
Owner	2 Company Names on Record
Last Sale	$365,000 (Nov 2015)
Tax Bill	$5,117 (2025)
Deeds & Mortgages	Aug 2023 Transfer Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115-180-045-000`

Property Details

APN / Parcel Number

Primary APN	`115-180-045-000`
Alternative APN	`115-180-045`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	16,160 sqft (0.371 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	115-180-045
Street Address	42089 RIVER RD
City	CLOVERDALE
State	CA
Zip	95425-9524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LIA20
Legal Description	1971 FORM PT OF 115-180-16
Legal Subdivision	RANCHO MUSALACON
Legal Block	2
Jurisdiction	SONOMA CA
Township / Civil Division	CLOVERDALE-GEYSERVILLE
Census Block Group	2
Census Block	2000
Census Tract	154201

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Intrafamily Transfer, Transfer
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Oct 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2015 · Amount on Record
Deed Sale	Nov 6, 2015 · Amount on Record
Prior Sale	Sep 24, 2015 · Amount on Record
Deed Document Number	201596423
Prior Transfer Date	Mar 30, 2000
Prior Transfer Doc	0000033594
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Aug 23, 2023
Property Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524
Document Number	0000039164
Instrument Date	Aug 17, 2023
Instrument	2023039164
Transaction Type	Transfer
Record Updated	Sep 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118757
Date	Oct 29, 2021
Instrument	2021118757

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	TIMIOS TITLE AND ESCROW, TIMIOS TITLE A CA CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524

Mortgage

Document Number	0000051615
Date	Apr 27, 2021
Instrument	2021051615

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	42089 RIVER RD, CLOVERDALE, CA 95425-9524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079062
Date	Oct 11, 2017
Instrument	2017079062

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$440,720 (+2%) Land $229,415 Building $211,305
2025	$5,117.00 (+2.44%)	$432,079 (+4.04%) Land $224,917 Building $207,162
2023	$4,995.00 (+1.79%)	$415,302 Land $216,184 Building $199,118
2022	$4,907.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	13 (1983–2019)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims Severe Storms, Flooding, Mudslides, And Landslides, Jan 2006 · 7 claims Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 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	High above 85% of the US · above 65% of California
Wildfire Likelihood	0.8% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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