12903 Third St, Clearlake Oaks, CA 95423 Property Records

Lake County property record for 12903 Third St, Clearlake Oaks, CA 95423

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,150 sqft · built 1970
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2020)
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`035-381-160-000`

Property Details

APN / Parcel Number

Primary APN	`035-381-160-000`
Alternative APN	`035-381-16`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
1st Floor Area	1,150 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Construction Type	Concrete
Lot Area	10,019 sqft (0.23 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	035-381-16
Street Address	12903 THIRD 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	20,21
Jurisdiction	LAKE CA
Township / Civil Division	LUCERNE-CLEARLAKE OAKS
Census Block Group	2
Census Block	2018
Census Tract	601

Owner

Source: Lake County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1328, LOWER LAKE, CA 95457-1328
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 1, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 19, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 7, 2020	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Deed Document Number	2020151
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Feb 26, 2024
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MODIFICATIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000001147
Date	Feb 1, 2024
Instrument	2024001147

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Jan 1, 2050

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000009231
Date	Jul 1, 2022
Instrument	2022009231

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jan 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000011289
Date	Aug 19, 2022
Instrument	2022011289

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Jan 1, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jan 7, 2020
Property Address	12903 3RD ST, CLEARLAKE OAKS, CA 95423
Document Number	0000000151
Map Reference	MB 5 PG 18-21
Instrument Date	Dec 30, 2019
Instrument	2020000151
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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 1328, LOWER LAKE, CA 95457-1328

Mortgage

Document Number	0000000152
Date	Jan 7, 2020
Instrument	2020000152

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Mortgage

Document Number	0000000153
Date	Jan 7, 2020
Instrument	2020000153

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lake County assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,907.00 (+2.09%)	$164,041 (+4.04%) Land $43,743 Building $120,298
2023	$1,868.00 (+5%)	$157,674 Land $42,046 Building $115,628
2022	$1,779.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 9, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	1,331.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect 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	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

Violations Reported to EPA

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.

Internet Providers

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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