Lake County property record for 2870 Garner Ln, Clearlake, CA 95422 · Last verified October 2025
| Property Type | Single Family Home (2+ on Parcel) |
|---|---|
| Details | 6 bd · 4 ba · 3,202 sqft · built 2004 |
| Lot Size | 2.3 acres (100,623 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,998 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-332-150-000 |
| Primary APN | 039-332-150-000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Building Area | 3,202 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Construction Type | Wood |
| Lot Area | 100,623 sqft (2.3 acres) |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2870 GARNER LN |
|---|---|
| City | CLEARLAKE |
| State | CA |
| Zip | 95422 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Single Family Home (2+ on Parcel) |
| Legal Subdivision | WALNUT ADD/CLEAR LAKE HLNDS |
| Jurisdiction | LAKE CA |
| Township / Civil Division | CLEARLAKE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 703 |
Source: Lake County records · APN 039-332-150-000
Assessment roll updated July 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 6332, CLEARLAKE, CA 95422-6332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU |
| Apr 14, 2020 | Deed of Trust, Mortgage REDWOOD CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Jul 29, 2016 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 2870 GARNER LN, CLEARLAKE, CA 95422 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 6332, CLEARLAKE, CA 95422-6332 |
| Document Number | 0000015323 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021015323 |
| Name | REDWOOD CU |
|---|---|
| Type | Credit Union |
| Address | SANTA ROSA, CA 95403 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 4.75% |
| Index | 5-Year CMT |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 2870 GARNER LN, CLEARLAKE, CA 95422 |
| Document Number | 0000004818 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 02, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2870 GARNER LN CLEARLAKE CA 95422, CLEARLAKE, CA 95422 |
| Document Number | 0000004818 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 4818 |
| Name | REDWOOD CU |
|---|---|
| Type | Credit Union |
| Address | SANTA ROSA, CA 95403 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 22, 2050 |
Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Municipality | Clearlake City |
| Unified School District | Konocti Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,998.00 (+2.38%) Homeowner's exemption | $348,169 (+4.04%) Land $69,632 Building $278,537 |
| 2023 | $3,905.00 (+5.31%) Homeowner's exemption | $334,651 Land $66,929 Building $267,722 |
| 2022 | $3,708.00 |
Source: FEMA National Flood Hazard Layer, Lake County (06033C), updated October 9, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060330007032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 22 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Dec 2014, rainfall accumulation |
| Wildfire Risk | High above 87% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | About 1 in 99 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 92 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
| DigitalPath | Fixed Wireless (licensed-by-rule) | 400 / 20 |
| Verizon | Fixed Wireless | 300 / 20 |
| 101Netlink | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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