3443 Emerson St, Clearlake, CA 95422 Property Records

Lake County property record for 3443 Emerson St, Clearlake, CA 95422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1963
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$211,140 (Sep 2026)
Tax Bill	$3,984 (2026)
Deeds & Mortgages	Sep 2026 Foreclosure May 2023 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`039-494-420-000`

Property Details

APN / Parcel Number

Primary APN	`039-494-420-000`
Alternative APN	`039-494-42`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2021
Architectural Style	Multi-Family
Construction Type	Steel Frame
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	039-494-42
Street Address	3443 EMERSON ST
City	CLEARLAKE
State	CA
Zip	95422-9530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PARKERS ADD/CLEAR LAKE HLNDS
Legal Block	2
Legal Lot Number	38,39
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE
Census Block Group	2
Census Block	2034
Census Tract	703

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	Company Name on Record
Mailing Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHANGE LENDING LLC
May 31, 2023	Grant Deed, Transfer · Stand-Alone Second Mortgage CHANGE LENDING LLC
May 31, 2023	Grant Deed, Transfer · FHA Mortgage CHANGE LENDING LLC
Jun 11, 2019	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE
Jun 11, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA
Jun 11, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA
Nov 21, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	May 31, 2023 · Amount on Record
Deed Document Number	20269930
Record Updated	Oct 29, 2026

September 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE CA
Recording Date	Sep 1, 2026
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000009930
Instrument Date	Sep 1, 2026
Instrument	20269930
Transaction Type	Foreclosure
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$23,457.25
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262
Investor	Possibly a Property Investor

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4019 SUNSET AVE, CLEARLAKE, CA 95422-9239

Mortgage

Document Number	0000005922
Date	May 31, 2023
Instrument	2023005922

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Jul 23, 2053

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN BENITO CA
Recording Date	May 31, 2023
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000005920
Map Reference	MB 4 PG 100
Instrument Date	May 26, 2023
Instrument	2023-0005920
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530

Mortgage

Document Number	0000005922
Date	May 31, 2023
Instrument	2023-0005922

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Jul 23, 2053

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	May 31, 2023
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000005920
Map Reference	MB 4 PG 100
Instrument Date	May 25, 2023
Instrument	2023005920
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATL TTL CO OF CA

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530

Mortgage

Document Number	0000005921
Date	May 31, 2023
Instrument	2023005921

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jun 11, 2019
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000006954
Instrument Date	Jun 7, 2019
Instrument	6954
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3443 EMERSON ST CLEARLAKE CA 954229530, CLEARLAKE, CA 95422-9530

Mortgage

Document Number	6955
Date	Jun 11, 2019
Instrument	6955

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	Jun 11, 2019
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000006953
Instrument Date	Jun 4, 2019
Instrument	6953
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	19615 NICHOLAS WAY LOWER LAKE CA 954579207, LOWER LAKE, CA 95457-9207

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE CA
Recording Date	Jun 11, 2019
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000006952
Instrument Date	Jun 4, 2019
Instrument	6952
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	16275 TINILYN RD LOWER LAKE CA 954579879, LOWER LAKE, CA 95457-9879

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE CA
Recording Date	Nov 21, 2018
Property Address	3443 EMERSON ST, CLEARLAKE, CA 95422-9530
Document Number	0000014823
Instrument Date	Nov 2, 2018
Instrument	14823
Transaction Type	Foreclosure
Record Updated	Jan 13, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$43.45
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16275 TINILYN RD LOWER LAKE CA 954579879, LOWER LAKE, CA 95457-9879
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Lake County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Lake County
Municipality	Clearlake City
Unified School District	Konocti Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,984.00 (+2.39%)	$339,586 (+2%) Land $21,224 Building $318,362
2025	$3,891.00 (+224.52%)	$332,928 (+265.32%) Land $20,808 Building $312,120
2023	$1,199.00 (+5.27%)	$91,134 (+2%) Land $21,443 Building $69,691
2022	$1,139.00	$89,348 Land $21,023 Building $68,325

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
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

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	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIGHLANDS MUTUAL WATER COMPANY private · serves 7,772 people · EPA ID CA1710003
Water Source	Surface water
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
DigitalPath Fixed Wireless	400 / 20
101Netlink Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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