16745 Big Bear Rd, Lower Lake, CA 95457 Property Records

Lake County property record for 16745 Big Bear Rd, Lower Lake, CA 95457

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1992
Lot Size	12.1 acres (527,076 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jul 2018)
Tax Bill	$6,286 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-025-810-000`

Property Details

APN / Parcel Number

Primary APN	`012-025-810-000`
Alternative APNs	`012-025-81` `0120256100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,456 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Concrete
Lot Area	527,076 sqft
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Water Source	Well

Location & Zoning

Old Parcel Number	012-025-81
Street Address	16745 BIG BEAR RD
City	LOWER LAKE
State	CA
Zip	95457-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	39-25, PARCEL MAP
Legal Block	1
Jurisdiction	LAKE CA
Township / Civil Division	LOWER LAKE
Census Block Group	1
Census Block	1021
Census Tract	1200

Owner

16745 Big Bear Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 13, 2024	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP
Dec 7, 2020	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jul 19, 2018	Grant Deed, Transfer · Conventional Mortgage FRONTLINE FINANCIAL LLC
Jul 19, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Deed Document Number	20189395
Prior Transfer Date	Jan 8, 2008
Prior Transfer Doc	0000001064
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712

Mortgage

Document Number	0000002596
Date	Mar 13, 2024
Instrument	2024002596

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	1200 ALTMORE AVE # 2-300, SANDY SPRINGS, GA 30342

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 15, 2054

Interest

Change Frequency	Monthly

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE CA
Recording Date	Dec 7, 2020
Property Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712
Document Number	0000015726
Map Reference	MB 39 PG 25&26
Instrument Date	Nov 24, 2020
Instrument	2020015726
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	CHICAGO TITLE COMPANY

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	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jul 19, 2018
Property Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712
Document Number	0000009395
Map Reference	MB39 PG25&26
Instrument Date	Jul 11, 2018
Instrument	2018009395
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712

Mortgage

Document Number	0000009396
Date	Jul 19, 2018
Instrument	2018009396

Lender

Name	FRONTLINE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	Jul 19, 2018
Property Address	16745 BIG BEAR RD, LOWER LAKE, CA 95457-9712
Document Number	0000009394
Instrument Date	Jul 9, 2018
Instrument	9394
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	906 SUMMERBREEZE CT VACAVILLE CA 956877885, VACAVILLE, CA 95687-7885

Tax Assessment & Valuation

The 2026 property tax bill for 16745 Big Bear Rd was $6,286 with a homeowner's exemption, 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
Unified School District	Konocti Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,286.00 (+2.41%) Homeowner's exemption	$551,840 (+2%) Land $170,671 Building $381,169
2025	$6,138.00 Homeowner's exemption	$541,021 Land $167,325 Building $373,696
2023	$5,999.00 (+5.3%) Homeowner's exemption	$520,015 Land $160,829 Building $359,186
2022	$5,697.00

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

Flood

FEMA maps place 16745 Big Bear Rd in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1983.

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	7 in force
Nearby Flood Claims	15 (1983–2023)
Claims Outside the SFHA	13 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 4 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 6 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 16745 Big Bear Rd is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 90% of the US · above 72% of California
Wildfire Likelihood	1% 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.

Drinking Water

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

Water System	LOWER LAKE COUNTY WATER DISTRICT serves 1,326 people · EPA ID CA1710010
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jun 2023
Monitoring and Reporting	1 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
DigitalPath Fixed Wireless	400 / 20
101Netlink Fixed Wireless	100 / 20

May also be available: Verizon.

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