15114 Harbor Ln, Clearlake, CA 95422 Property Records

Lake County property record for 15114 Harbor Ln, Clearlake, CA 95422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1984
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Mar 2026)
Tax Bill	$1,829 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`040-403-040-000`

Property Details

APN / Parcel Number

Primary APN	`040-403-040-000`
Alternative APN	`040-403-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	040-403-04
Street Address	15114 HARBOR LN
City	CLEARLAKE
State	CA
Zip	95422-8156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HIGHLANDS HARBOR
Legal Block	2
Legal Lot Number	75
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE
Census Block Group	2
Census Block	2001
Census Tract	801

Owner

15114 Harbor Ln is owned and occupied by two individuals who bought it in March 2026.

Source: Lake County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15114 HARBOR LN, CLEARLAKE, CA 95422-8156
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Feb 27, 2012 · Amount on File
Deed Document Number	20262770
Prior Transfer Date	Jul 21, 2021
Prior Transfer Doc	0000012685
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Mar 24, 2026
Property Address	15114 HARBOR LN, CLEARLAKE, CA 95422-8156
Document Number	0000002770
Map Reference	MB 7 PG 104&105
Instrument Date	Mar 17, 2026
Instrument	2026002770
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	15114 HARBOR LN, CLEARLAKE, CA 95422-8156

Mortgage

Document Number	0000002771
Date	Mar 24, 2026
Instrument	2026002771

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0000002772
Date	Mar 24, 2026
Instrument	2026002772

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	May 16, 2056

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE CA
Recording Date	Aug 2, 2021
Property Address	15114 HARBOR LN, CLEARLAKE, CA 95422-8156
Document Number	0000012685
Map Reference	MB 7 PG 104&105
Instrument Date	Jul 21, 2021
Instrument	2021012685
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	REDWOOD EMPIRE TITLE COMPANY/MENDOC, REDWOOD EMPIRE TTL CO OF MEN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15114 HARBOR LN, CLEARLAKE, CA 95422-8156
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012686
Date	Aug 2, 2021
Instrument	2021012686

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 15114 Harbor Ln was $1,829, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,829.00 (+2.46%)	$147,320 (+2%) Land $25,616 Building $121,704
2025	$1,785.00	$144,432 Land $25,114 Building $119,318
2023	$1,742.00 (+5.32%)	$138,826 Land $24,140 Building $114,686
2022	$1,654.00

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

FEMA maps place 15114 Harbor Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 38 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	27 (1983–2023)
Claims Outside the SFHA	1 of 27
Most Recent Claim	Jan 2023 · other causes
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 5 claims Severe Winter Storms And Flooding, Mar 1998 · 10 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims

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

Wildfire risk around 15114 Harbor Ln is high, ranking above 79% 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 79% of the US · above 57% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIGHLANDS MUTUAL WATER COMPANY private · serves 7,772 people · EPA ID CA1710003
Water Source	Surface water
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
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 284 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: GeoLinks, Verizon.

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