Lake County property record for 12824 First St, Clearlake Oaks, CA 95423
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 892 sqft · built 1952 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $78 (2026) |
| Deeds & Mortgages | Mar 2020 Line of Credit Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-371-220-000 |
| Primary APN | 035-371-220-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 892 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Steel Frame |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Old Parcel Number | 035-371-22 |
|---|---|
| Street Address | 12824 FIRST ST |
| City | CLEARLAKE OAKS |
| State | CA |
| Zip | 95423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | CLEARLAKE OAKS 05 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 601 |
12824 First St is owned and occupied by two individuals.
Source: Lake County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 58, CLEARLAKE OAKS, CA 95423-0058 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Aug 23, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 12824 FIRST ST, CLEARLAKE OAKS, CA 95423 |
| Document Number | 0000005385 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12824 FIRST ST CLEARLAKE OAKS CA 95423, CLEARLAKE OAKS, CA 95423 |
| Document Number | 0000005385 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 5385 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 10, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 12824 FIRST ST, CLEARLAKE OAKS, CA 95423 |
| Document Number | 0000010980 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 58 CLEARLAKE OAKS CA 954230058, CLEARLAKE OAKS, CA 95423-0058 |
| Document Number | 0000010980 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 10980 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 4, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 12824 First St was $78 with a veteran's exemption, down 87.1% 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 | $78.00 (-87.15%) Veteran's exemption | $55,715 (+2%) Land $25,863 Building $29,852 |
| 2025 | $607.00 Homeowner's exemption | $54,623 Land $25,356 Building $29,267 |
| 2023 | $592.00 (+4.78%) Homeowner's exemption | $52,504 Land $24,372 Building $28,132 |
| 2022 | $565.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12824 First St 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 52 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 2 (2023–2024) |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
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 12824 First St is high, ranking above 87% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 68% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLEARLAKE OAKS COUNTY WATER DISTRICT serves 2,359 people · EPA ID CA1710001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2023 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 331 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 |
| Verizon Fixed Wireless | 300 / 20 |
| 101Netlink Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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