453 Valley Oak Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 453 Valley Oak Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,599 sqft · built 1995
Lot Size	0.212 acres (9,253 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Apr 2014)
Tax Bill	$6,995 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`161-490-009-000`

Property Details

APN / Parcel Number

Primary APN	`161-490-009-000`
Alternative APN	`161-490-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,599 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	9,253 sqft (0.212 acres)

Location & Zoning

Old Parcel Number	161-490-009
Street Address	453 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	95FM161-070-043CALIFORNIA CREEKSIDE IV 161-490 LT9
Legal Subdivision	CALIFORNIA CREEKSIDE IV
Legal Block	2
Legal Lot Number	9
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	2
Census Block	2008
Census Tract	153804

Owner

453 Valley Oak Ct is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	453 VALLEY OAK CT, WINDSOR, CA 95492-9243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 23, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUMMIT STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2014 · Amount on File
Deed Sale	Apr 9, 2014 · Amount on File
Prior Sale	Aug 31, 1994 · Amount on File
Deed Document Number	201423894
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	453 VALLEY OAK CT, WINDSOR, CA 95492-9243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014267
Date	Feb 23, 2017
Instrument	2017014267

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Feb 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	453 VALLEY OAK CT, WINDSOR, CA 95492-9243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081288
Date	Nov 6, 2019
Instrument	2019081288

Lender

Name	SUMMIT STATE BANK
Type	Bank
Address	SANTA ROSA, CA 95406

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 453 Valley Oak Ct was $6,995.

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		$587,668 (+2%) Land $231,315 Building $356,353
2025	$6,995.00	$576,146 Land $226,780 Building $349,366
2023	$6,714.00 (+1.73%)	$553,775 Land $217,975 Building $335,800
2022	$6,600.00

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

Flood

FEMA maps place 453 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 453 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 701 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
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile.

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