Lake County property record for 13045 Park Dr, Lower Lake, CA 95457
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 0.5 ba · 1,024 sqft · built 1934 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,293 (2026) |
| Deeds & Mortgages | Jan 2024 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-241-030-000 |
| Primary APN | 043-241-030-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 0.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,024 sqft Living Area |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Construction Type | Wood |
| Lot Area | 45,738 sqft |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 043-241-03 |
|---|---|
| Street Address | 13045 PARK DR |
| City | LOWER LAKE |
| State | CA |
| Zip | 95457-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Subdivision | BAY CLIFF |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | CLEARLAKE RIVIERA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 901 |
13045 Park Dr is owned and occupied by an individual.
Source: Lake County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13045 PARK DR, LOWER LAKE, CA 95457-9743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 13045 PARK DR, LOWER LAKE, CA 95457-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Title Company | NOT AVAILABLE, FNC TITLE OF CALIFORNIA |
| Name | Verified Name |
|---|---|
| Address | 13045 PARK DR, LOWER LAKE, CA 95457-9743 |
| Document Number | 0000000989 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 2024000989 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | 8023 E 63RD PL STE 700, TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 890 Months |
| Due | Mar 19, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.88% |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 12.8% |
The 2026 property tax bill for 13045 Park Dr was $2,293, up 2.5% 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 | $2,293.00 (+2.46%) | $188,666 (+2%) Land $103,926 Building $84,740 |
| 2025 | $2,238.00 | $184,968 Land $101,889 Building $83,079 |
| 2023 | $2,185.00 (+5.3%) | $177,787 Land $97,934 Building $79,853 |
| 2022 | $2,075.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 13045 Park Dr 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 risk around 13045 Park Dr is high, ranking above 81% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 59% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | BAYCLIFF WATER private · serves 70 people · EPA ID CA1700606 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 61 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 |
May also be available: Verizon.
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