10098 Elk Mountain Rd, Upper Lake, CA 95485 Property Records

Lake County property record for 10098 Elk Mountain Rd, Upper Lake, CA 95485

Property Summary

Property Type	Single Family Home
Details	3 bd · 0.5 ba · 918 sqft · built 1926
Lot Size	1.88 acres (82,328 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Jun 2020)
Tax Bill	$3,916 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`004-003-280-000`

Property Details

APN / Parcel Number

Primary APN	`004-003-280-000`
Alternative APN	`004-003-28`

Interior

Bedrooms	3 Beds
Full Baths	0.5 Baths
Half Baths	1 Half Bath
Building Area	918 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2007
Construction Type	Steel Frame
Lot Area	82,328 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	004-003-28
Street Address	10098 ELK MOUNTAIN RD
City	UPPER LAKE
State	CA
Zip	95485-9500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	1
Jurisdiction	LAKE CA
Township / Civil Division	UPPER LAKE-NICE
Census Block Group	1
Census Block	1001
Census Tract	100

Owner

10098 Elk Mountain Rd is owned and occupied by an individual who bought it in June 2020.

Source: Lake County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 188, UPPER LAKE, CA 95485-0188
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
Apr 26, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 15, 2020	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Jun 15, 2020	Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA
Jun 15, 2020	Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA
Oct 2, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Oct 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Prior Sale	Aug 29, 2008 · Amount on File
Deed Document Number	20206780
Prior Transfer Date	Oct 1, 2019
Prior Transfer Doc	0000012535
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Transaction Type	Mortgage
Record Updated	Jun 20, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500

Mortgage

Document Number	0000004627
Date	Apr 26, 2023
Instrument	2023004627

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2050

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jun 15, 2020
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Document Number	0000006780
Instrument Date	Jun 13, 2020
Instrument	2020006780
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATL TTL CO OF CA

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	PO BOX 188, UPPER LAKE, CA 95485-0188

Mortgage

Document Number	0000006781
Date	Jun 15, 2020
Instrument	2020006781

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE CA
Recording Date	Jun 15, 2020
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Document Number	0000006778
Instrument Date	Jun 12, 2020
Instrument	6778
Record Updated	Aug 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	PO BOX 24 SHOSHONE ID 833520024, SHOSHONE, ID 83352-0024

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE CA
Recording Date	Jun 15, 2020
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Document Number	0000006779
Instrument Date	Jun 12, 2020
Instrument	6779
Record Updated	Aug 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 24 SHOSHONE ID 833520024, SHOSHONE, ID 83352-0024

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	Oct 2, 2019
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Document Number	0000012536
Instrument Date	Oct 1, 2019
Instrument	12536
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 24 SHOSHONE ID 833520024, SHOSHONE, ID 83352-0024

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	Oct 2, 2019
Property Address	10098 ELK MOUNTAIN RD, UPPER LAKE, CA 95485-9500
Document Number	0000012535
Instrument Date	Oct 1, 2019
Instrument	12535
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	PO BOX 24 SHOSHONE ID 833520024, SHOSHONE, ID 83352-0024

Tax Assessment & Valuation

The 2026 property tax bill for 10098 Elk Mountain Rd was $3,916 with a homeowner's exemption, up 2.5% from the year before.

Source: Lake County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Lake County
Unified School District	Upper Lake Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,916.00 (+2.46%) Homeowner's exemption	$339,112 (+2%) Land $145,014 Building $194,098
2025	$3,822.00 Homeowner's exemption	$332,464 Land $142,171 Building $190,293
2023	$3,683.00 (-2.23%) Homeowner's exemption	$319,555 Land $136,651 Building $182,904
2022	$3,767.00

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

Flood

FEMA maps place 10098 Elk Mountain Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective October 9, 2024 · 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 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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

Wildfire risk around 10098 Elk Mountain Rd is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Valley Internet Fixed Wireless	50 / 25
AT&T DSL	10 / 1

May also be available: DigitalPath, Mediacom Xtream.

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