10872 Harbor Rd, Kelseyville, CA 95451 Property Records

Lake County property record for 10872 Harbor Rd, Kelseyville, CA 95451

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,425 sqft · built 2005
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (May 2024)
Tax Bill	$5,691 (2026)
Deeds & Mortgages	Sep 2023 Construction Loan Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`430-242-040-000`

Property Details

APN / Parcel Number

Primary APN	`430-242-040-000`
Alternative APN	`430-242-04`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,425 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	16,117 sqft (0.37 acres)
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	430-242-04
Street Address	10872 HARBOR RD
City	KELSEYVILLE
State	CA
Zip	95451-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CLEAR LAKE RIVIERA 13
Legal Block	1
Legal Lot Number	4
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE RIVIERA
Census Block Group	1
Census Block	1004
Census Tract	901

Owner

10872 Harbor Rd is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	10872 HARBOR RD, KELSEYVILLE, CA 95451-9760
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 8, 2023	Intrafamily Transfer, Transfer · Construction Mortgage MOLTER FAMILY TRUST
Mar 16, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2021	Grant Deed, Transfer · Commercial Mortgage CUSHMAN REXRODE CAPITAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2024 · Amount on File
Deed Sale	May 23, 2024 · Amount on File
Prior Sale	Jan 27, 2021 · Amount on File
Deed Document Number	20245215
Prior Transfer Date	Sep 5, 2023
Prior Transfer Doc	0000009789
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE CA
Recording Date	Sep 8, 2023
Property Address	10872 HARBOR RD, KELSEYVILLE, CA 95451-9760
Document Number	0000009789
Map Reference	MB 10 PG 62&63
Instrument Date	Sep 5, 2023
Instrument	2023009789
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4129 THE MASTERS DR, FAIRFIELD, CA 94533-9510

Mortgage

Document Number	0000009790
Date	Sep 8, 2023
Instrument	2023009790

Lender

Name	MOLTER FAMILY TRUST
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE CA
Recording Date	Mar 16, 2023
Property Address	10872 HARBOR RD, KELSEYVILLE, CA 95451-9760
Document Number	0000003077
Map Reference	MB 10 PG 62&63
Instrument Date	Mar 13, 2023
Instrument	2023003077
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TTL CO OF CA SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 HARBOR RD, KELSEYVILLE, CA 95451-9760

Mortgage

Document Number	0000003078
Date	Mar 16, 2023
Instrument	2023003078

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jan 27, 2021
Property Address	10872 HARBOR RD, KELSEYVILLE, CA 95451-9760
Document Number	0000001227
Map Reference	MB 10 PG 62&63
Instrument Date	Jan 22, 2021
Instrument	2021001227
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	743 LA PLAYA STRRET #B # B, B, SAN FRANCISCO, CA 94121

Mortgage

Document Number	0000001228
Date	Jan 27, 2021
Instrument	2021001228

Lender

Name	CUSHMAN REXRODE CAPITAL CORPORATION
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10872 Harbor Rd was $5,691 with a homeowner's exemption, up 2.3% 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	Kelseyville Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,691.00 (+2.34%) Homeowner's exemption	$530,604 (+2%) Land $31,212 Building $499,392
2025	$5,561.00 Homeowner's exemption	$520,200 Land $30,600 Building $489,600
2023	$5,985.00 (+2.75%)	$546,210 Land $26,010 Building $520,200
2022	$5,825.00

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

Flood

FEMA maps place 10872 Harbor Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 10872 Harbor Rd is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	MT. KONOCTI MUTUAL WATER COMPANY serves 4,360 people · EPA ID CA1710014
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
DigitalPath Fixed Wireless	400 / 20
101Netlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures