485 Melody Ln, Upper Lake, CA 95485 Property Records

Lake County property record for 485 Melody Ln, Upper Lake, CA 95485

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$357,000 (May 2026)
Tax Bill	$3,742 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-058-630-000`

Property Details

APN / Parcel Number

Primary APN	`004-058-630-000`
Alternative APN	`004-058-63`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Construction Type	Steel Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	004-058-63
Street Address	485 MELODY LN
City	UPPER LAKE
State	CA
Zip	95485-8781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	HARMONY PARK
Legal Block	1
Legal Lot Number	1,2
Jurisdiction	LAKE CA
Township / Civil Division	UPPER LAKE-NICE
Census Block Group	1
Census Block	1088
Census Tract	100

Owner

485 Melody Ln is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	485 MELODY LN, UPPER LAKE, CA 95485-8781
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
May 11, 2026	Grant Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
May 25, 2023	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jun 3, 2019	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	May 25, 2023 · Amount on File
Deed Document Number	20264615
Prior Transfer Date	Jan 16, 2003
Prior Transfer Doc	0000006922
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	May 11, 2026
Property Address	485 MELODY LN, UPPER LAKE, CA 95485-8781
Document Number	0000004615
Instrument Date	May 4, 2026
Instrument	2026.4615
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,662.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	485 MELODY LN, UPPER LAKE, CA 95485-8781

Mortgage

Document Number	0000004616,
Date	May 11, 2026
Instrument	2026.4616

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	May 25, 2023
Property Address	485 MELODY LN, UPPER LAKE, CA 95485-8781
Document Number	0000005776
Map Reference	MB 16 PG 3&4
Instrument Date	May 23, 2023
Instrument	2023005776
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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	Joint Tenants
Address	485 MELODY LN, UPPER LAKE, CA 95485-8781

Mortgage

Document Number	0000005777
Date	May 25, 2023
Instrument	2023005777

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jun 3, 2019
Property Address	485 MELODY LN, UPPER LAKE, CA 95485-8781
Document Number	0000006574
Map Reference	MB 16 PG 3&4
Instrument Date	May 24, 2019
Instrument	2019006574
Transaction Type	Transfer
Record Updated	Jul 20, 2022
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
Address	485 MELODY LN, UPPER LAKE, CA 95485-8781

Mortgage

Document Number	0000006575
Date	Jun 3, 2019
Instrument	2019006575

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 485 Melody Ln was $3,742, up 2.5% 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	Upper Lake Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,742.00 (+2.46%)	$339,586 (+2%) Land $10,612 Building $328,974
2025	$3,652.00 Homeowner's exemption	$332,928 Land $10,404 Building $322,524
2023	$3,448.00 (-2.6%)	$304,931 (+2%) Land $37,525 Building $267,406
2022	$3,540.00	$298,953 Land $36,790 Building $262,163

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

Flood

FEMA maps place 485 Melody Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 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

Wildfire risk around 485 Melody Ln is high, ranking above 79% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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	UPPER LAKE COUNTY WATER DISTRICT serves 989 people · EPA ID CA1710009
Water Source	Groundwater
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Valley Internet Fixed Wireless	50 / 25
AT&T DSL	10 / 1

May also be available: GeoLinks, Mediacom Xtream.

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