548 Smoketree St, Windsor, CA 95492 Property Records

Sonoma County property record for 548 Smoketree St, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,864 sqft · built 1991
Lot Size	0.122 acres (5,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$658,000 (Jul 2019)
Tax Bill	$8,640 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-090-009-000`

Property Details

APN / Parcel Number

Primary APN	`162-090-009-000`
Alternative APN	`162-090-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,314 sqft (0.122 acres)
Garage Area	435 sqft

Location & Zoning

Old Parcel Number	162-090-009
Street Address	548 SMOKETREE ST
City	WINDSOR
State	CA
Zip	95492-8134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	91FM065-780-09#CHG MD SUMRTREE PK PCL 1 PH C LT 7
Legal Subdivision	SUMMERTREE PARK
Legal Block	1
Legal Lot Number	7
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	1
Census Block	1021
Census Tract	153807

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 Individual Names on Record
Mailing Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 12, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	May 17, 2002 · Amount on Record
Deed Document Number	201947940
Prior Transfer Date	Sep 27, 2002
Prior Transfer Doc	0000150981
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134

Mortgage

Document Number	0000047266
Date	Apr 16, 2021
Instrument	2021047266

Lender

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

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017749
Date	Mar 9, 2020
Instrument	2020017749

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SONOMA CA
Recording Date	Jul 12, 2019
Property Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134
Document Number	0000047940
Map Reference	MB 439 PG 27-31
Instrument Date	Jul 9, 2019
Instrument	2019047940
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134

Mortgage

Document Number	0000047941
Date	Jul 12, 2019
Instrument	2019047941

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	548 SMOKETREE ST, WINDSOR, CA 95492-8134
Document Number	0000068398
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 SMOKETREE ST WINDSOR CA 954928134, WINDSOR, CA 95492-8134

Mortgage

Document Number	0000068398
Date	Aug 30, 2017
Instrument	68398

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

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		$734,005 (+2%) Land $293,378 Building $440,627
2025	$8,640.00 (+4.22%)	$719,614 (+4.04%) Land $287,626 Building $431,988
2023	$8,290.00 (+1.72%)	$691,672 Land $276,458 Building $415,214
2022	$8,150.00

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
Nearby Flood Policies	2 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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 562 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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