3180 Stone Dr, Finley, CA 95435 Property Records

Lake County property record for 3180 Stone Dr, Finley, CA 95435

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,430 sqft · built 1989
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2019)
Tax Bill	$4,391 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`008-023-260-000`

Property Details

APN / Parcel Number

Primary APN	`008-023-260-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,430 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Masonry / Concrete Block
Lot Area	54,886 sqft
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3180 STONE DR
City	FINLEY
State	CA
Zip	95435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	3
Jurisdiction	LAKE CA
Township / Civil Division	KELSEYVILLE
Census Block Group	3
Census Block	3009
Census Tract	1000

Owner

3180 Stone Dr is owned by two individuals who bought it in February 2019.

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	1054 PLAZA DR, MARTINEZ, CA 94553-2918
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG LLC
Feb 28, 2019	Grant Deed, Transfer · VA Mortgage STEARNS LENDING LLC
May 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Deed Document Number	20192479
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	3180 STONE DR, FINLEY, CA 95435
Document Number	0000004114
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3180 STONE DR FINLEY CA 95435, FINLEY, CA 95435

Mortgage

Document Number	0000004114
Date	Mar 31, 2020
Instrument	4114

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Feb 28, 2019
Property Address	3180 STONE DR, FINLEY, CA 95435
Document Number	0000002479
Instrument Date	Feb 27, 2019
Instrument	2019002479
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1054 PLAZA DR, MARTINEZ, CA 94553-2918

Mortgage

Document Number	0000002480
Date	Feb 28, 2019
Instrument	2019002480

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	May 8, 2017
Property Address	3180 STONE DR, FINLEY, CA 95435
Document Number	0000005878
Instrument Date	May 8, 2017
Instrument	5878
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3180 STONE DR FINLEY CA 95435, FINLEY, CA 95435

Tax Assessment & Valuation

The 2026 property tax bill for 3180 Stone Dr was $4,391, 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	Kelseyville Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,391.00 (+2.33%)	$398,236 (+2%) Land $56,889 Building $341,347
2025	$4,291.00	$390,428 Land $55,774 Building $334,654
2023	$4,170.00 (-0.31%)	$375,269 Land $53,609 Building $321,660
2022	$4,183.00

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

Flood

FEMA maps place 3180 Stone Dr in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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 30 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	21 (1995–2019)
Claims Outside the SFHA	1 of 21
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 5 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 3180 Stone Dr is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 42% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
DigitalPath Fixed Wireless	400 / 20
101Netlink Fixed Wireless	100 / 20

May also be available: Verizon.

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