Lake County property record for 1600 Clover Valley Rd, Upper Lake, CA 95485
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,464 sqft · built 1910 |
| Lot Size | 59.5 acres (2,595,740 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,713 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-006-240-000 |
| Primary APN | 004-006-240-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,464 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Construction Type | Wood |
| Lot Area | 2,595,740 sqft |
| Old Parcel Number | 004-006-24 |
|---|---|
| Street Address | 1600 CLOVER VALLEY RD |
| City | UPPER LAKE |
| State | CA |
| Zip | 95485-9225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 2 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | UPPER LAKE-NICE |
| Census Block Group | 2 |
| Census Block | 2304 |
| Census Tract | 100 |
1600 Clover Valley Rd is owned and occupied by two individuals who acquired it in September 2018.
Source: Lake County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1600 CLOVER VALLEY RD, UPPER LAKE, CA 95485-9225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Oct 4, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage VICTORIAN FIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 26, 2018 |
| Transfer Doc | 0000012819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 1600 CLOVER VALLEY RD, UPPER LAKE, CA 95485-9225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000016992 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 2019016992 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Oct 4, 2018 |
| Property Address | 1600 CLOVER VALLEY RD, UPPER LAKE, CA 95485-9225 |
| Document Number | 0000012819 |
| Instrument Date | Sep 26, 2018 |
| Instrument | 12819 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1600 CLOVER VALLEY RD UPPER LAKE CA 954859225, UPPER LAKE, CA 95485-9225 |
| Document Number | 12820 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 12820 |
| Name | VICTORIAN FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | PITTSBURGH, PA 15241 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2048 |
The 2026 property tax bill for 1600 Clover Valley Rd was $5,713 with a homeowner's exemption, down 3.8% from the year before.
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Upper Lake Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,713.00 (-3.77%) Homeowner's exemption | $514,817 (-4.26%) Land $435,063 Building $79,754 |
| 2025 | $5,937.00 Homeowner's exemption | $537,724 Land $426,533 Building $111,191 |
| 2023 | $5,764.00 (-2.68%) Homeowner's exemption | $518,126 Land $409,971 Building $108,155 |
| 2022 | $5,923.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1600 Clover Valley Rd in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1978.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 64 (1978–2019) |
| Claims Outside the SFHA | 8 of 64 |
| Most Recent Claim | Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| 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 1600 Clover Valley Rd is very high, ranking above 93% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 93% of the US · above 77% of California |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| 101Netlink Fixed Wireless | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T DSL | 10 / 1 |
May also be available: Valley Internet.
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