4732 W 40th St, Clearlake, CA 95422 Property Records

Lake County property record for 4732 W 40th St, Clearlake, CA 95422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1986
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$17,000 (May 2020)
Tax Bill	$391 (2026)
Deeds & Mortgages	May 2017 Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`040-223-210-000`

Property Details

APN / Parcel Number

Primary APN	`040-223-210-000`
Alternative APN	`040-223-21`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,220 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Steel Frame
Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Old Parcel Number	040-223-21
Street Address	4732 W 40TH ST
City	CLEARLAKE
State	CA
Zip	95422-9299
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CLUB HOUSE ADD 01
Legal Block	3
Legal Lot Number	1
Jurisdiction	LAKE CA
Township / Civil Division	CLEARLAKE
Census Block Group	3
Census Block	3026
Census Tract	802

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	Individual Name on Record
Mailing Address	971 PREVOST ST, SAN JOSE, CA 95125-1663
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2017	Deed of Trust, Mortgage · ARM EXCHANGE BANK
May 28, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2020 · Amount on Record
Deed Sale	May 28, 2020 · Amount on Record
Prior Sale	Sep 28, 2015 · Amount on Record
Deed Document Number	20206066
Prior Transfer Date	Sep 24, 2015
Prior Transfer Doc	0000012711
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	4732 W 40TH ST, CLEARLAKE, CA 95422-9299
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006852
Date	May 26, 2017
Instrument	2017006852

Lender

Name	EXCHANGE BANK
Type	Bank
Address	SANTA ROSA, CA 95402

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	May 28, 2020
Property Address	4732 W 40TH ST, CLEARLAKE, CA 95422-9299
Document Number	0000006066
Instrument Date	May 27, 2020
Instrument	6066
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transaction

Amount	Amount Recorded
Tax	$19.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	971 PREVOST ST SAN JOSE CA 951251663, SAN JOSE, CA 95125-1663

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	$391.00 (+3.17%)	$18,959 (+2%) Land $15,615 Building $3,344
2025	$379.00 (+3.55%)	$18,588 (+4.04%) Land $15,309 Building $3,279
2023	$366.00 (+5.48%)	$17,867 Land $14,715 Building $3,152
2022	$347.00

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

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 20 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	14 (1982–2019)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Feb 2019 · Severe Storms And Flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Feb 1983 · 3 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.01% 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 546 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 / 50
101Netlink Fixed Wireless	100 / 20

May also be available: Verizon.

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