20857 Saint Stephens Ave, Middletown, CA 95461 Property Records

Lake County property record for 20857 Saint Stephens Ave, Middletown, CA 95461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1998
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$351,500 (Aug 2016)
Tax Bill	$2,884 (2026)
Flood Zone	Zone AO (high risk)
APN	`014-104-220-000`

Property Details

APN / Parcel Number

Primary APN	`014-104-220-000`
Alternative APN	`014-104-22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Steel Frame
Lot Area	41,382 sqft (0.95 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Old Parcel Number	014-104-22
Street Address	20857 SAINT STEPHENS AVE
City	MIDDLETOWN
State	CA
Zip	95461-9501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	CALLAYOMI PARK
Legal Block	3
Legal Lot Number	4
Jurisdiction	LAKE CA
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3004
Census Tract	1302

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	2 Individual Names on Record
Mailing Address	20857 SAINT STEPHENS AVE, MIDDLETOWN, CA 95461-9501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2016 · Amount on Record
Deed Sale	Aug 12, 2016 · Amount on Record
Deed Document Number	201610338
Prior Transfer Date	Jul 10, 2013
Prior Transfer Doc	0000011057
Record Updated	Oct 29, 2026

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	Middletown Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,884.00 (+1.12%) Veteran's exemption	$415,859 (+2%) Land $94,699 Building $321,160
2025	$2,852.00 (+0.18%) Veteran's exemption	$407,706 (+4.04%) Land $92,843 Building $314,863
2023	$2,847.00 (-2.13%) Disabled Person's exemption Veteran's exemption	$391,877 Land $89,239 Building $302,638
2022	$2,909.00

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force

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	Very High above 90% of the US · above 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20