16823 Big Bear Rd, Lower Lake, CA 95457 Property Records

Lake County property record for 16823 Big Bear Rd, Lower Lake, CA 95457

Property Summary

Property Type	Campground, RV Park
Details	3 bd · 2 ba · 1,624 sqft · built 1989
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jul 2022)
Tax Bill	$1,823 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2018 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-073-040-000`

Property Details

APN / Parcel Number

Primary APN	`049-073-040-000`
Alternative APN	`049-073-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,624 sqft Gross Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Mobile Home
Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Old Parcel Number	049-073-04
Street Address	16823 BIG BEAR RD
City	LOWER LAKE
State	CA
Zip	95457-9750
Property Category	Commercial
Property Type	Commercial > Retail > Campground, RV Park
Local Zoning Code	R1
Legal Subdivision	COPSEY CREEK RANCH 02
Legal Block	1
Legal Lot Number	217
Jurisdiction	LAKE CA
Township / Civil Division	LOWER LAKE
Census Block Group	1
Census Block	1025
Census Tract	1200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1543, LOWER LAKE, CA 95457-1543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Feb 20, 2018	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC
Feb 13, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2022 · Amount on Record
Deed Sale	Jul 5, 2022 · Amount on Record
Deed Document Number	20229266
Prior Transfer Date	Mar 17, 2007
Prior Transfer Doc	0000013890
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jul 5, 2022
Property Address	16823 BIG BEAR RD, LOWER LAKE, CA 95457-9750
Document Number	0000009266
Map Reference	MB 9 PG 52-62
Instrument Date	Jun 24, 2022
Instrument	2022009266
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1543, LOWER LAKE, CA 95457-1543

Mortgage

Document Number	0000009267
Date	Jul 5, 2022
Instrument	2022009267

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	16823 BIG BEAR RD, LOWER LAKE, CA 95457-9750
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001827
Date	Feb 20, 2018
Instrument	2018001827

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.31%
Type Change Date	Mar 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	16823 BIG BEAR RD, LOWER LAKE, CA 95457-9750
Document Number	0000001828
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16823 BIG BEAR RD LOWER LAKE CA 954579750, LOWER LAKE, CA 95457-9750

Mortgage

Document Number	0000001828
Date	Feb 20, 2018
Instrument	1828

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.31%

Tax Assessment & Valuation

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	$1,823.00 (+2.42%) Homeowner's exemption	$148,568 (+2%) Land $42,448 Building $106,120
2025	$1,780.00 (+2.59%) Homeowner's exemption	$145,656 (+4.04%) Land $41,616 Building $104,040
2023	$1,735.00 (-25.44%) Homeowner's exemption	$140,000 Land $40,000 Building $100,000
2022	$2,327.00

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

Flood

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

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

Wildfire Risk	High above 88% of the US · above 69% of California
Wildfire Likelihood	1% 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	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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