Lake County property record for 465 1st St, Upper Lake, CA 95485 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 889 sqft · built 1953 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $253,000 (Mar 2018) |
| Tax Bill | $3,187 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-221-040-000 |
| Primary APN | 027-221-040-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 889 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Construction Type | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 465 1ST ST |
|---|---|
| City | UPPER LAKE |
| State | CA |
| Zip | 95485-9214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GARNERS EXT |
| Jurisdiction | LAKE CA |
| Township / Civil Division | UPPER LAKE-NICE |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 100 |
Source: Lake County records · APN 027-221-040-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 465 1ST ST, UPPER LAKE, CA 95485-9214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 30, 2018 | Grant Deed, Transfer · Conventional with PMI STEARNS LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on Record |
| Deed Sale | Mar 30, 2018 · Amount on Record |
| Prior Sale | Jul 26, 2007 · Amount on Record |
| Deed Document Number | 2018004040 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 465 1ST ST, UPPER LAKE, CA 95485-9214 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 465 1ST ST, UPPER LAKE, CA 95485-9214 |
| Document Number | 0000004079 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 2021004079 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Mar 30, 2018 |
| Property Address | 465 1ST ST, UPPER LAKE, CA 95485-9214 |
| Document Number | 0000004040 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 4040 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.30 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 465 1ST ST UPPER LAKE CA 954859214, UPPER LAKE, CA 95485-9214 |
| Document Number | 4041 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 4041 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2048 |
Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Upper Lake 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 | $3,187.00 (+3.21%) | $282,222 (+4.04%) Land $76,969 Building $205,253 |
| 2023 | $3,088.00 (-2.56%) | $271,265 Land $73,981 Building $197,284 |
| 2022 | $3,169.00 |
Source: FEMA National Flood Hazard Layer, Lake County (06033C), updated October 9, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060330001001, 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 |
| Flood Insurance Cost | Premium on Record median of 7 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force 3 of 7 on primary residences |
| Nearby Flood Claims | 2 (1998) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 1998, river or lake flooding, Severe Winter Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | High above 79% of the US · above 56% of California |
|---|---|
| Wildfire Likelihood | About 1 in 152 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.
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