489 2nd St, Upper Lake, CA 95485 Property Records

Lake County property record for 489 2nd St, Upper Lake, CA 95485

Property Summary

Property Type	Single Family Home (2+ on Parcel)
Details	3 bd · 2 ba · 924 sqft · built 1922
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Jan 2006)
Tax Bill	$4,413 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027-197-160-000`

Property Details

APN / Parcel Number

Primary APN	`027-197-160-000`
Alternative APN	`8010010300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	10,890 sqft (0.25 acres)
Garage Area	187 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Old Parcel Number	8010010300
Street Address	489 2ND ST
City	UPPER LAKE
State	CA
Zip	95485-9274
Property Category	Residential
Property Type	Residential > Multi-Unit > Single Family Home (2+ on Parcel)
Local Zoning Code	R1
Legal Subdivision	GARNERS EXT
Jurisdiction	LAKE CA
Township / Civil Division	UPPER LAKE-NICE
Census Block Group	1
Census Block	1012
Census Tract	100

Owner

Source: Lake County records · APN 027-197-160-000

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	636 N CLAREMONT ST, SAN MATEO, CA 94401-1710
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 30, 2006 · Amount on Record
Deed Sale	Jan 30, 2006 · Amount on Record
Prior Sale	Oct 31, 2005 · Amount on Record
Deed Document Number	2006002277
Record Updated	Jun 07, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	489 2ND ST, UPPER LAKE, CA 95485-9274
Document Number	0000003532
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	636 N CLAREMONT ST SAN MATEO CA 944011710, SAN MATEO, CA 94401-1710

Mortgage

Document Number	0000003532
Date	Mar 26, 2019
Instrument	3532

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	California
County	Lake County
Unified School District	Upper Lake Unified School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$4,413.00 (+3.16%)	$394,924 (+4.04%) Land $150,316 Building $244,608
2023	$4,278.00 (-2.62%)	$379,590 Land $144,480 Building $235,110
2022	$4,393.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 9, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 74% of the US · above 50% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20
Valley Internet Fixed Wireless	50 / 25
AT&T DSL	10 / 1

May also be available: California Internet, Mediacom Communications.

Based on FCC filings for 265 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	UPPER LAKE COUNTY WATER DISTRICT serves 989 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.