Lake County property record for 20865 Napa Ave, Middletown, CA 95461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,509 sqft · built 1969 |
| Lot Size | 1.73 acres (75,359 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Aug 2025) |
| Tax Bill | $6,840 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone AO (high risk) |
| APN | 014-103-080-000 |
| Primary APN | 014-103-080-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,509 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Concrete |
| Lot Area | 75,359 sqft |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Old Parcel Number | 014-103-08 |
|---|---|
| Street Address | 20865 NAPA AVE |
| City | MIDDLETOWN |
| State | CA |
| Zip | 95461-9796 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Subdivision | CALLAYOMI PARK 01 |
| Legal Block | 3 |
| Legal Lot Number | 2,3 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 1302 |
Source: Lake County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20865 NAPA AVE, MIDDLETOWN, CA 95461-9796 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 15, 2018 | Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Jul 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2025 · Amount on File |
| Deed Sale | Aug 1, 2025 · Amount on File |
| Prior Sale | Jun 15, 2018 · Amount on File |
| Deed Document Number | 20257512 |
| Prior Transfer Date | Jul 25, 2025 |
| Prior Transfer Doc | 0000007513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 20865 NAPA AVE, MIDDLETOWN, CA 95461-9796 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 20865 NAPA AVE, MIDDLETOWN, CA 95461-9796 |
| Document Number | 0000017849 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021017849 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Oct 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jun 15, 2018 |
| Property Address | 20865 NAPA AVE, MIDDLETOWN, CA 95461-9796 |
| Document Number | 0000007910 |
| Map Reference | MB2 PG4&5 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 2018007910 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 844 CHAPMAN LN, PETALUMA, CA 94952-3640 |
| Document Number | 0000007911 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 2018007911 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jul 3, 2017 |
| Property Address | 20865 NAPA AVE, MIDDLETOWN, CA 95461-9796 |
| Document Number | 0000008684 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 8684 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2635 ETNA ST BERKELEY CA 947043408, BERKELEY, CA 94704-3408 |
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Middletown Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $6,840.00 (+1.74%) | $591,893 (+2%) Land $232,114 Building $359,779 |
| 2025 | $6,723.00 (+3.05%) | $580,288 (+4.04%) Land $227,563 Building $352,725 |
| 2023 | $6,524.00 (+0.73%) | $557,756 Land $218,727 Building $339,029 |
| 2022 | $6,477.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 File 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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures