428 Valley Oak Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 428 Valley Oak Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,375 sqft · built 1995
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Aug 2017)
Tax Bill	$7,433 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`161-490-015-000`

Property Details

APN / Parcel Number

Primary APN	`161-490-015-000`
Alternative APN	`161-490-015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,375 sqft Living Area
Gross Area	1,855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	161-490-015
Street Address	428 VALLEY OAK CT
City	WINDSOR
State	CA
Zip	95492-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	O5FM161-070-043 CALIF CREEKSIDE IV 161-490 LOT 15
Legal Subdivision	CALIFORNIA CREEKSIDE IV
Legal Block	2
Legal Lot Number	15
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	2
Census Block	2008
Census Tract	153804

Owner

428 Valley Oak Ct is owned and occupied by two individuals who acquired it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243
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
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 23, 2017	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Prior Sale	Oct 25, 2002 · Amount on File
Deed Document Number	201765702
Last Transfer Date	Mar 12, 2020
Transfer Doc	0000020611
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000013478
Date	Feb 4, 2021
Instrument	2021013478

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051989
Date	Jul 29, 2019
Instrument	2019051989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SONOMA CA
Recording Date	Mar 17, 2020
Property Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000020611
Map Reference	MB 522 PG 42-45
Instrument Date	Mar 12, 2020
Instrument	2020020611
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000020612
Date	Mar 17, 2020
Instrument	2020020612

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Aug 23, 2017
Property Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000065702
Map Reference	MAP522 PG42-45
Instrument Date	Aug 22, 2017
Instrument	2017065702
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	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 VALLEY OAK CT, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000065703
Date	Aug 23, 2017
Instrument	2017065703

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 428 Valley Oak Ct was $7,433 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		$632,512 (+2%) Land $253,004 Building $379,508
2025	$7,433.00 Homeowner's exemption	$620,111 Land $248,044 Building $372,067
2023	$7,130.00 (+1.76%) Homeowner's exemption	$596,033 Land $238,413 Building $357,620
2022	$7,007.00

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

Flood

FEMA maps place 428 Valley Oak Ct in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective February 15, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 428 Valley Oak Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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