15117 Harbor Ln, Clearlake, CA 95422 Property Records

Lake County property record for 15117 Harbor Ln, Clearlake, CA 95422

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,568 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Mar 2023)
Tax Bill	$4,757 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`040-401-220-000`

Property Details

APN / Parcel Number

Primary APN	`040-401-220-000`
Alternative APN	`040-401-22`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Concrete
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Lake
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Wood

Location & Zoning

Old Parcel Number	040-401-22
Street Address	15117 HARBOR LN
City	CLEARLAKE
State	CA
Zip	95422-8156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O
Legal Subdivision	HIGHLANDS HARBOR
Legal Block	2
Legal Lot Number	66
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE
Census Block Group	2
Census Block	2010
Census Tract	801

Owner

15117 Harbor Ln is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	15117 HARBOR LN, CLEARLAKE, CA 95422-8156
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jul 31, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on File
Deed Sale	Mar 1, 2023 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Deed Document Number	20232451
Transfer Doc	0000005406
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Mar 1, 2023
Property Address	15117 HARBOR LN, CLEARLAKE, CA 95422-8156
Document Number	0000002451
Map Reference	MB 7 PG 104&105
Instrument Date	Feb 27, 2023
Instrument	2023002451
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	15117 HARBOR LN, CLEARLAKE, CA 95422-8156

Mortgage

Document Number	0000002452
Date	Mar 1, 2023
Instrument	2023002452

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Mortgage

Document Number	0000002453
Date	Mar 1, 2023
Instrument	2023002453

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 25, 2053

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jul 31, 2019
Property Address	15117 HARBOR LN, CLEARLAKE, CA 95422-8156
Document Number	0000009299
Instrument Date	Jul 26, 2019
Instrument	9299
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	15117 HARBOR LN CLEARLAKE CA 954228156, CLEARLAKE, CA 95422-8156

Mortgage

Document Number	9300
Date	Jul 31, 2019
Instrument	9300

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 15117 Harbor Ln was $4,757, up 2.4% 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	$4,757.00 (+2.39%)	$408,564 (+2%) Land $106,120 Building $302,444
2025	$4,646.00	$400,554 Land $104,040 Building $296,514
2023	$3,749.00 (+5.28%)	$315,352 Land $157,676 Building $157,676
2022	$3,561.00

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

Flood

FEMA maps place 15117 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 15117 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.

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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