Lake County property record for 12097 Riata Rd, Lower Lake, CA 95457
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,516 sqft · built 1988 |
| Lot Size | 2.86 acres (124,582 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Nov 2016) |
| Tax Bill | $6,383 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-151-020-000 |
| Primary APN | 049-151-020-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,516 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Concrete |
| Lot Area | 124,582 sqft |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 049-151-02 |
|---|---|
| Street Address | 12097 RIATA RD |
| City | LOWER LAKE |
| State | CA |
| Zip | 95457-9807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Subdivision | RANCHERO EL CAMINO 01 |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LOWER LAKE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 1200 |
12097 Riata Rd is owned and occupied by two individuals who bought it in November 2016.
Source: Lake County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12097 RIATA RD, LOWER LAKE, CA 95457-9807 |
| 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.
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Aug 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2016 · Amount on File |
| Deed Sale | Nov 22, 2016 · Amount on File |
| Deed Document Number | 201615389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 12097 RIATA RD, LOWER LAKE, CA 95457-9807 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 12097 RIATA RD, LOWER LAKE, CA 95457-9807 |
| Document Number | 0000002488 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022002488 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 12097 RIATA RD, LOWER LAKE, CA 95457-9807 |
| Document Number | 0000001148 |
| Instrument Date | Jan 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | SPL EXPRESS INC |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 12097 RIATA RD LOWER LAKE CA 954579807, LOWER LAKE, CA 95457-9807 |
| Document Number | 0000001148 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 1148 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 12097 RIATA RD, LOWER LAKE, CA 95457-9807 |
| Document Number | 0000011083 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 12097 RIATA RD LOWER LAKE CA 954579807, LOWER LAKE, CA 95457-9807 |
| Document Number | 0000011083 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 11083 |
| Name | REDWOOD CU |
|---|---|
| Type | Credit Union |
| Address | SANTA ROSA, CA 95403 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 21, 2032 |
The 2026 property tax bill for 12097 Riata Rd was $6,383, up 2.4% from the year before.
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Konocti Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $6,383.00 (+2.37%) | $553,593 (+2%) Land $118,377 Building $435,216 |
| 2025 | $6,235.00 | $542,739 Land $116,056 Building $426,683 |
| 2023 | $6,096.00 (+5.27%) | $521,665 Land $111,550 Building $410,115 |
| 2022 | $5,791.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12097 Riata Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 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 risk around 12097 Riata Rd is extreme, ranking above 95% of the US, with a 3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 95% of the US · above 82% of California |
|---|---|
| Wildfire Likelihood | 3% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 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 |
| Starlink Satellite | 280 / 30 |
| 101Netlink Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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