432 Duncan Dr, Windsor, CA 95492 Property Records

Sonoma County property record for 432 Duncan Dr, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,234 sqft · built 1989
Lot Size	0.14 acres (6,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Jan 2023)
Tax Bill	$7,457 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-510-039-000`

Property Details

APN / Parcel Number

Primary APN	`066-510-039-000`
Alternative APN	`066-510-039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,234 sqft Living Area
Gross Area	1,741 sqft
1st Floor Area	1,234 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,080 sqft (0.14 acres)
Garage Type	Attached
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Old Parcel Number	066-510-039
Street Address	432 DUNCAN DR
City	WINDSOR
State	CA
Zip	95492-8699
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	TWIN PALMS LOT 12
Legal Subdivision	TWIN PALMS TRACT #821
Legal Block	1
Legal Lot Number	12
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	1
Census Block	1000
Census Tract	153811

Owner

Source: Sonoma County records, as of May 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 983, WINDSOR, CA 95492-0983
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
May 20, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 24, 2020	Loan Modification, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2023 · Amount on Record
Deed Sale	Jan 11, 2023 · Amount on Record
Prior Sale	Mar 5, 2010 · Amount on Record
Deed Document Number	20231393
Record Updated	Jun 8, 2026

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jan 11, 2023
Property Address	432 DUNCAN DR, WINDSOR, CA 95492-8699
Document Number	0000001393
Map Reference	MB 432 PG 20-22
Instrument Date	Jan 9, 2023
Instrument	2023001393
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.50
Amount Accuracy	Rounded by County
Additional	Notice of Default 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	PO BOX 983, WINDSOR, CA 95492-0983

Mortgage

Document Number	0000001394
Date	Jan 11, 2023
Instrument	2023001394

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	432 DUNCAN DR, WINDSOR, CA 95492-8699
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 DUNCAN DR, WINDSOR, CA 95492-8699

Mortgage

Document Number	0000035547
Date	May 20, 2022
Instrument	2022035547

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2052

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SONOMA CA
Property Address	432 DUNCAN DR, WINDSOR, CA 95492-8699
Document Number	0000070749
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 DUNCAN DR WINDSOR CA 954928699, WINDSOR, CA 95492-8699

Mortgage

Document Number	0000070749
Date	Aug 19, 2020
Instrument	70749

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

Source: Sonoma County assessment roll, as of April 13, 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
2025	$7,457.00 (+65.78%)	$619,038 (+72.11%) Land $244,494 Building $374,544
2023	$4,498.00 (+1.74%)	$359,667 Land $148,878 Building $210,789
2022	$4,421.00

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

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	Not rated no burnable land within 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks.

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