16845 Pebble Ct, Lower Lake, CA 95457 Property Records

Lake County property record for 16845 Pebble Ct, Lower Lake, CA 95457

Property Summary

Property Type	Campground, RV Park
Details	3 bd · 2 ba · 1,275 sqft · built 2006
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$150,500 (Aug 2019)
Tax Bill	$2,118 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`049-061-270-000`

Property Details

APN / Parcel Number

Primary APN	`049-061-270-000`
Alternative APN	`049-061-27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,275 sqft Gross Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	049-061-27
Street Address	16845 PEBBLE CT
City	LOWER LAKE
State	CA
Zip	95457-9773
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	245
Jurisdiction	LAKE CA
Township / Civil Division	LOWER LAKE
Census Block Group	1
Census Block	1021
Census Tract	1200

Owner

16845 Pebble Ct, a commercial property, is owned by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 4123, CLEARLAKE, CA 95422-4101
Owner Type	Individual
Vesting	Community Property

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
Aug 29, 2019	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Oct 3, 2017	Loan Modification, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on File
Deed Sale	Aug 29, 2019 · Amount on File
Prior Sale	Nov 28, 2005 · Amount on File
Deed Document Number	201910706
Record Updated	Oct 29, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Aug 29, 2019
Property Address	16845 PEBBLE CT, LOWER LAKE, CA 95457-9773
Document Number	0000010706
Map Reference	MB 9 PG 59-62
Instrument Date	Aug 27, 2019
Instrument	2019010706
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 4123, CLEARLAKE, CA 95422-4123

Mortgage

Document Number	0000010707
Date	Aug 29, 2019
Instrument	2019010707

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE CA
Property Address	16845 PEBBLE CT, LOWER LAKE, CA 95457-9773
Document Number	0000014680
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 HURON AVE #AYE CLEARLAKE CA 954229097, CLEARLAKE, CA 95422-9097

Mortgage

Document Number	0000014680
Date	Nov 1, 2017
Instrument	14680

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 31, 2057

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 16845 Pebble Ct was $2,118, up 2.3% 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	$2,118.00 (+2.32%)	$167,879 (+2%) Land $50,196 Building $117,683
2025	$2,070.00	$164,588 Land $49,212 Building $115,376
2023	$2,021.00 (+5.15%)	$158,199 Land $47,302 Building $110,897
2022	$1,922.00

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

Flood

FEMA maps place 16845 Pebble Ct 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 16845 Pebble Ct is very high, ranking above 91% 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 91% of the US · above 74% 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.

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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