2405 Clover Valley Rd, Upper Lake, CA 95485 Property Records

Lake County property record for 2405 Clover Valley Rd, Upper Lake, CA 95485

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1930
Lot Size	34.4 acres (1,502,384 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (May 2020)
Tax Bill	$7,480 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-007-130-000`

Property Details

APN / Parcel Number

Primary APN	`004-007-130-000`
Alternative APN	`004-007-13`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1990
Construction Type	Concrete
Lot Area	1,502,384 sqft

Location & Zoning

Old Parcel Number	004-007-13
Street Address	2405 CLOVER VALLEY RD
City	UPPER LAKE
State	CA
Zip	95485-9230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	APZ
Legal Block	1
Jurisdiction	LAKE CA
Township / Civil Division	UPPER LAKE-NICE
Census Block Group	1
Census Block	1004
Census Tract	100

Owner

2405 Clover Valley Rd is owned by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 638, GLENHAVEN, CA 95443-0638
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
May 21, 2020	Grant Deed, Transfer · Conventional Mortgage JAMES D JAMES
Jan 22, 2019	Grant Deed, Transfer · Conventional with PMI STAN SHORE TRUST (CT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2020 · Amount on File
Deed Sale	May 21, 2020 · Amount on File
Prior Sale	Jan 22, 2019 · Amount on File
Deed Document Number	20205840
Prior Transfer Date	Jan 10, 2019
Prior Transfer Doc	0000000578
Record Updated	Oct 29, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	May 21, 2020
Property Address	2405 CLOVER VALLEY RD, UPPER LAKE, CA 95485-9230
Document Number	0000005840
Instrument Date	May 15, 2020
Instrument	5840
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 638 GLENHAVEN CA 954430638, GLENHAVEN, CA 95443-0638

Mortgage

Document Number	5841
Date	May 21, 2020
Instrument	5841

Lender

Name	JAMES D JAMES
Address	PO BOX 31, UPPER LAKE, CA 95485-0031
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jan 22, 2019
Property Address	2405 CLOVER VALLEY RD, UPPER LAKE, CA 95485-9230
Document Number	0000000578
Instrument Date	Jan 10, 2019
Instrument	578
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2400 CLOVER VALLEY RD UPPER LAKE CA 954859230, UPPER LAKE, CA 95485-9230

Mortgage

Document Number	579
Date	Jan 22, 2019
Instrument	579

Lender

Name	STAN SHORE TRUST (CT)
Address	PALO ALTO, CA 94201

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	36 Months
Due	Jan 21, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2405 Clover Valley Rd was $7,480, 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	Upper Lake Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$7,480.00 (+2.42%)	$669,308 (+2%) Land $334,654 Building $334,654
2025	$7,303.00	$656,186 Land $328,093 Building $328,093
2023	$7,077.00 (-2.63%)	$630,706 Land $315,353 Building $315,353
2022	$7,268.00

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

Flood

FEMA maps place 2405 Clover Valley Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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	2 (1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 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 2405 Clover Valley Rd is extreme, ranking above 98% 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	Extreme above 98% of the US · above 88% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20

Cell Coverage

No cell data coverage reported

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