4582 Lagoon Dr, Kelseyville, CA 95451 Property Records

Lake County property record for 4582 Lagoon Dr, Kelseyville, CA 95451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,350 sqft · built 1981
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$312,500 (Dec 2022)
Tax Bill	$3,612 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-442-280-000`

Property Details

APN / Parcel Number

Primary APN	`043-442-280-000`
Alternative APN	`043-442-28`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Old Parcel Number	043-442-28
Street Address	4582 LAGOON DR
City	KELSEYVILLE
State	CA
Zip	95451-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CLEAR LAKE RIVIERA 02
Legal Block	1
Legal Lot Number	28
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE RIVIERA
Census Block Group	1
Census Block	1007
Census Tract	901

Owner

4582 Lagoon Dr is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4582 LAGOON DR, KELSEYVILLE, CA 95451-9754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 8, 2022	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Jun 1, 2017	Grant Deed, Transfer · Conventional with PMI STEM STEVEN M S & REBECCA (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2022 · Amount on File
Deed Sale	Dec 8, 2022 · Amount on File
Prior Sale	Jun 1, 2017 · Amount on File
Deed Document Number	202216008
Prior Transfer Date	May 25, 2011
Prior Transfer Doc	0000007901
Record Updated	Oct 29, 2026

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Dec 8, 2022
Property Address	4582 LAGOON DR, KELSEYVILLE, CA 95451-9754
Document Number	0000016008
Map Reference	MB 8 PG 18-22
Instrument Date	Nov 30, 2022
Instrument	2022016008
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Community Property with Right of Survivorship
Address	4582 LAGOON DR, KELSEYVILLE, CA 95451-9754

Mortgage

Document Number	0000016009
Date	Dec 8, 2022
Instrument	2022016009

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jun 1, 2017
Property Address	4582 LAGOON DR, KELSEYVILLE, CA 95451-9754
Document Number	0000007074
Instrument Date	May 22, 2017
Instrument	7074
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	REDWOOD EMPIRE TITLE COMPANY, REDWOOD EMPIRE TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1015 PENELOPE CT LAKEPORT CA 954537101, LAKEPORT, CA 95453-7101

Mortgage

Document Number	7075
Date	Jun 1, 2017
Instrument	7075

Lender

Name	STEM STEVEN M S & REBECCA (LT)
Address	1471 BLOOMFIELD RD, SEBASTOPOL, CA 95472-5510

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4582 Lagoon Dr was $3,612, 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	$3,612.00 (+2.32%)	$331,095 (+2%) Land $37,142 Building $293,953
2025	$3,530.00	$324,604 Land $36,414 Building $288,190
2023	$3,433.00 (+38.32%)	$312,000 Land $35,000 Building $277,000
2022	$2,482.00

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

Flood

FEMA maps place 4582 Lagoon Dr in Zone X, an area of minimal flood risk.

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 File median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force

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 4582 Lagoon Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	MT. KONOCTI MUTUAL WATER COMPANY serves 4,360 people · EPA ID CA1710014
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
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 100 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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