Lake County property record for 4362 Elm St, Lucerne, CA 95458
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,055 sqft · built 1960 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Mar 2014) |
| Tax Bill | $917 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 034-062-150-000 |
| Primary APN | 034-062-150-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| Old Parcel Number | 034-062-15 |
|---|---|
| Street Address | 4362 ELM ST |
| City | LUCERNE |
| State | CA |
| Zip | 95458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | 11-11, PARCEL MAP |
| Legal Block | 1 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 1 |
| Census Block | 1128 |
| Census Tract | 501 |
4362 Elm St is owned and occupied by an individual who bought it in March 2014.
Source: Lake County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 907, LUCERNE, CA 95458-0907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2014 · Amount on File |
| Deed Sale | Mar 17, 2014 · Amount on File |
| Deed Document Number | 20143169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Sep 9, 2026 |
| Property Address | 4362 ELM ST, LUCERNE, CA 95458 |
| Document Number | 0000010232 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202610232 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4362 ELM ST, LUCERNE, CA 95458 |
| Document Number | 0000010232, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 202610232 |
| Name | SAVINGS BANK/MENDOCINO COUNTY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 4362 Elm St was $917 with a homeowner's exemption, down 1.8% from the year before.
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Elementary School District | Lucerne Elementary School District (KG - 08) |
| Secondary School District | Upper Lake Unified School District (9-12) (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $917.00 (-1.82%) Homeowner's exemption | $87,389 (+2%) Land $37,506 Building $49,883 |
| 2025 | $934.00 Homeowner's exemption | $85,676 Land $36,771 Building $48,905 |
| 2023 | $893.00 (+1.02%) Homeowner's exemption | $82,351 Land $35,344 Building $47,007 |
| 2022 | $884.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4362 Elm St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 13 (1983–2024) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Feb 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 4362 Elm St is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 75% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LUCERNE WATER CO. - CAL WATER SERVICE private · serves 2,312 people · EPA ID CA1710005 |
|---|---|
| Water Source | Surface water |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 436 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 |
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