Lake County property record for 15227 Harbor Ln, Clearlake, CA 95422
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,408 sqft · built 1979 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,874 (Apr 2014) |
| Tax Bill | $2,321 (2026) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 040-431-200-000 |
| Primary APN | 040-431-200-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,408 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Steel Frame |
| Lot Area | 6,098 sqft (0.14 acres) |
| View / Lot | Creek |
| Garage Area | 380 sqft |
| Street Address | 15227 HARBOR LN |
|---|---|
| City | CLEARLAKE |
| State | CA |
| Zip | 95422-8157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HARBOR VILLAGE |
| Legal Block | 2 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | CLEARLAKE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 801 |
15227 Harbor Ln is owned by an individual who bought it in April 2014.
Source: Lake County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2519 HEIDE CT, EL SOBRANTE, CA 94803-3609 |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Last Sale | Apr 8, 2014 · Amount on File |
| Deed Sale | Apr 8, 2014 · Amount on File |
| Deed Document Number | 20144129 |
| Prior Transfer Date | Apr 4, 2014 |
| Prior Transfer Doc | 0000004129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 15227 HARBOR LN, CLEARLAKE, CA 95422-8157 |
| Document Number | 0000001138 |
| Instrument Date | Jan 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2017 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 15227 HARBOR LN CLEARLAKE CA 95422, CLEARLAKE, CA 95422 |
| Document Number | 0000001138 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 1138 |
| Name | RICHARD A SPENCER |
|---|---|
| Address | 172 GORDON WAY, MARTINEZ, CA 94553 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 15227 Harbor Ln was $2,321, up 2.4% from the year before.
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Municipality | Clearlake City |
| Unified School District | Konocti Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,321.00 (+2.43%) | $191,224 (+2%) Land $55,159 Building $136,065 |
| 2025 | $2,266.00 | $187,476 Land $54,078 Building $133,398 |
| 2023 | $2,753.00 (+31.03%) | $180,198 Land $51,979 Building $128,219 |
| 2022 | $2,101.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 15227 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 |
|
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 15227 Harbor Ln is high, ranking above 86% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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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