12995 First St, Clearlake Oaks, CA 95423 Property Records

Lake County property record for 12995 First St, Clearlake Oaks, CA 95423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1988
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Sep 2023)
Tax Bill	$2,992 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-374-060-000`

Property Details

APN / Parcel Number

Primary APN	`035-374-060-000`
Alternative APN	`035-374-06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Construction Type	Steel Frame
Lot Area	5,663 sqft (0.13 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	035-374-06
Street Address	12995 FIRST ST
City	CLEARLAKE OAKS
State	CA
Zip	95423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CLEAR LAKE OAKS 05
Legal Block	2
Legal Lot Number	1
Jurisdiction	LAKE CA
Township / Civil Division	LUCERNE-CLEARLAKE OAKS
Census Block Group	2
Census Block	2012
Census Tract	601

Owner

Source: Lake County records, as of October 21, 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	12995 FIRST ST, CLEARLAKE OAKS, CA 95423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · VA Mortgage NATIONS DIRECT MORTGAGE LLC
Sep 13, 2023	Grant Deed, Transfer · VA Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2023 · Amount on Record
Deed Sale	Sep 13, 2023 · Amount on Record
Prior Sale	Oct 13, 2015 · Amount on Record
Deed Document Number	20239969
Prior Transfer Date	May 25, 2007
Prior Transfer Doc	0000013582
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	12995 FIRST ST, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12995 1ST ST, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000010669
Date	Oct 15, 2025
Instrument	2025010669

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	WASHOE VALLEY, NV 89704

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Sep 13, 2023
Property Address	12995 1ST ST, CLEARLAKE OAKS, CA 95423
Document Number	0000009969
Map Reference	MB 5 PG 18-21
Instrument Date	Sep 8, 2023
Instrument	2023009969
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	FIRST AMERICAN 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	12995 1ST ST, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000009970
Date	Sep 13, 2023
Instrument	2023009970

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Lake County assessment roll, as of October 21, 2026

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
2026	$2,992.00 (+2.36%)	$260,100 (+2%) Land $31,212 Building $228,888
2025	$2,923.00 (+109.53%)	$255,000 (+119.73%) Land $30,600 Building $224,400
2023	$1,395.00 (+4.97%)	$116,054 Land $22,755 Building $93,299
2022	$1,329.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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