10604 Santa Clara St, Lamont, CA 93241 Property Records

Kern County property record for 10604 Santa Clara St, Lamont, CA 93241

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1952
Lot Size	0.31 acres (13,485 sqft)
Owner	2 Individual Names on File
Last Sale	$172,000 (Jun 2014)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Second Mortgage + 2 more
Flood Zone	Zone AO (high risk)
APN	`186-101-07-00-2`

Property Details

APN / Parcel Number

Primary APN	`186-101-07-00-2`
Alternative APNs	`186-101-07-7` `1861010700` `18610107`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	3,390 sqft
1st Floor Area	1,980 sqft
Family Room	Family Room

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	13,485 sqft (0.31 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	76 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	186101077
Street Address	10604 SANTA CLARA ST
City	LAMONT
State	CA
Zip	93241-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 1512 , BLOCK &40, LOT 39
Legal Subdivision	TRACT NO 1512
Legal Tract	1512
Legal Block	3
Legal Lot Number	39
Jurisdiction	KERN CA
Township / Civil Division	ARVIN-LAMONT
Census Block Group	3
Census Block	3003
Census Tract	6403

Owner

10604 Santa Clara St is owned and occupied by two individuals who acquired it in October 2018.

Source: Kern County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage KIND LENDING LLC
Dec 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAFE 1 CU
Nov 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2018	Quit Claim Deed, Transfer · Conventional with PMI MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2014 · Amount on File
Deed Sale	Jun 10, 2014 · Amount on File
Prior Sale	May 22, 2012 · Amount on File
Deed Document Number	201465775
Last Transfer Date	Oct 15, 2018
Transfer Doc	0000139169
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Recording Date	May 11, 2026
Property Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033
Document Number	0000053160
Instrument Date	May 5, 2026
Instrument	202653160
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033

Mortgage

Document Number	0000053160,
Date	May 11, 2026
Instrument	202653160

Lender

Name	KIND LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033

Mortgage

Document Number	0000151998
Date	Dec 13, 2023
Instrument	223151998

Lender

Name	SAFE 1 CU
Type	Credit Union
Address	BAKERSFIELD, CA 93311

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 15, 2043

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERN CA
Property Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033
Transaction Type	Mortgage
Record Updated	Nov 7, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033

Mortgage

Document Number	0000177813
Date	Nov 20, 2020
Instrument	220177813

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Dec 1, 2048

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KERN CA
Recording Date	Oct 22, 2018
Property Address	10604 SANTA CLARA ST, LAMONT, CA 93241-2033
Document Number	0000139169
Instrument Date	Oct 15, 2018
Instrument	139169
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	CHICAGO TITLE BAKERSFIELD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10604 SANTA CLARA ST LAMONT CA 932412033, LAMONT, CA 93241-2033

Mortgage

Document Number	139170
Date	Oct 22, 2018
Instrument	139170

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10604 Santa Clara St was $2,832 with a homeowner's exemption, up 5.9% from the year before.

Source: Kern County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Kern County
Secondary School District	Kern High School District (09 - 12)
Elementary School District	Lamont Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$206,299 (+2%) Land $37,506 Building $168,793
2025	$2,832.00 (+5.95%) Homeowner's exemption	$202,255 Land $36,771 Building $165,484
2024	$2,673.00 (-1.37%)
2023	$2,710.00 (+3.08%) Homeowner's exemption	$194,403 Land $35,344 Building $159,059
2022	$2,629.00

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

Flood

FEMA maps place 10604 Santa Clara St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 60 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	2 (2010–2016)
Most Recent Claim	Sep 2016 · other causes

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

The area around 10604 Santa Clara St has no burnable land within ember reach, so its wildfire risk is not rated.

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	LAMONT PUBLIC UTILITY DIST serves 19,057 people · EPA ID CA1510012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jul 2018
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 704 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Applied Technology Group Fixed Wireless	500 / 500
unWired Broadband Fixed Wireless	400 / 50

May also be available: GeoLinks, Verizon.

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