422 Cottage Cir, Winters, CA 95694 Property Records

Yolo County property record for 422 Cottage Cir, Winters, CA 95694

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,555 sqft · built 2004
Lot Size	0.06 acres (2,613 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,000 (Jul 2025)
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`030-392-009-000`

Property Details

APN / Parcel Number

Primary APN	`030-392-009-000`
Alternative APN	`030392091`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,555 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	2,613 sqft (0.06 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	422 COTTAGE CIR
City	WINTERS
State	CA
Zip	95694-1681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-R
Legal Description	4618 COTTAGES AT CARTER RANCH L 26 04 M 42-43
Legal Subdivision	COTTAGES AT CARTER RANCH
Legal Lot Number	26
Jurisdiction	YOLO CA
Township / Civil Division	WINTERS
Census Block Group	3
Census Block	3002
Census Tract	11302

Owner

Source: Yolo County records, as of August 5, 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	2 Individual Names on Record
Mailing Address	422 COTTAGE CIR, WINTERS, CA 95694-1681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 20, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 24, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Prior Sale	Nov 19, 2004 · Amount on Record
Deed Document Number	202511491
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	422 COTTAGE CIR, WINTERS, CA 95694-1681
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000036181
Date	Sep 23, 2021
Instrument	2021-0036181

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	422 COTTAGE CIR, WINTERS, CA 95694-1681
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000007925
Date	Feb 26, 2021
Instrument	2021-0007925

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	422 COTTAGE CIR, WINTERS, CA 95694-1681
Document Number	0000009727
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	VISIONET SERVICES, VISIONET SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 COTTAGE CIR WINTERS CA 956941681, WINTERS, CA 95694-1681

Mortgage

Document Number	0000009727
Date	Apr 2, 2020
Instrument	9727

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	422 COTTAGE CIR, WINTERS, CA 95694-1681
Document Number	0000015013
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 COTTAGE CIR WINTERS CA 956941681, WINTERS, CA 95694-1681

Mortgage

Document Number	0000015013
Date	Jul 5, 2019
Instrument	15013

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

Tax Assessment & Valuation

Source: Yolo County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Yolo County
Municipality	Winters City
Unified School District	Winters Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$529,000 (+40.29%) Land $110,000 Building $419,000
2025	$4,667.00 (+6.16%) Homeowner's exemption	$377,071 (+4.04%) Land $55,746 Building $321,325
2023	$4,396.00 (+1.81%) Homeowner's exemption	$362,431 Land $53,582 Building $308,849
2022	$4,318.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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	CITY OF WINTERS serves 7,115 people · EPA ID CA5710005
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) 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 620 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Esparto Broadband, Verizon.

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