Lake County property record for 5238 Harbor Rd, Lower Lake, CA 95457
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,504 sqft · built 1955 |
| Lot Size | 4.05 acres (176,418 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,240,000 (Dec 2024) |
| Tax Bill | $14,354 (2026) |
| Deeds & Mortgages | Jun 2026 Transfer Feb 2026 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 043-161-080-000 |
| Primary APN | 043-161-080-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,504 sqft Living Area |
| 1st Floor Area | 2,504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Lot Area | 176,418 sqft |
| View / Lot | Lake |
| Garage Area | 650 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 043-161-08 |
|---|---|
| Street Address | 5238 HARBOR RD |
| City | LOWER LAKE |
| State | CA |
| Zip | 95457-9776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Subdivision | LAKEVIEW AMD #2 |
| Legal Block | 1 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | CLEARLAKE RIVIERA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 901 |
5238 Harbor Rd is held in a trust since March 2026.
Source: Lake County records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 319 GRANT AVE, PETALUMA, CA 94952-4812 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Mar 14, 2023 | Assignment of Lease, Transfer |
| Apr 13, 2018 | Grant Deed, Transfer BARTLETT FAM 2000 TR (RT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on File |
| Deed Sale | Dec 6, 2024 · Amount on File |
| Prior Sale | Apr 13, 2018 · Amount on File |
| Deed Document Number | 202413202 |
| Last Transfer Date | Mar 31, 2026 |
| Transfer Doc | 0000006781 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jun 26, 2026 |
| Property Address | 5238 HARBOR RD, LOWER LAKE, CA 95457-9776 |
| Document Number | 0000006781 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20266781 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 319 GRANT AVE, PETALUMA, CA 94952-4812 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 5238 HARBOR RD, LOWER LAKE, CA 95457-9776 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 319 GRANT AVE, PETALUMA, CA 94952-4812 |
| Document Number | 0000001821 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 2026001821 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.8% |
| Type Change Date | Mar 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Assignment of Lease |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Mar 14, 2023 |
| Property Address | 5238 HARBOR RD, LOWER LAKE, CA 95457-9776 |
| Document Number | 0000003002 |
| Instrument Date | Mar 14, 2023 |
| Instrument | 2023003002 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 255 N FORBES ST, LAKEPORT, CA 95453-4759 |
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Apr 13, 2018 |
| Property Address | 5238 HARBOR RD, LOWER LAKE, CA 95457-9776 |
| Document Number | 0000004654 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 4654 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 5238 HARBOR RD LOWER LAKE CA 954579776, LOWER LAKE, CA 95457-9776 |
| Document Number | 4655 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 4655 |
| Name | BARTLETT FAM 2000 TR (RT) |
|---|---|
| Address | 6035 STANLEY DR, AUBURN, CA 95602-8841 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 5238 Harbor Rd was $14,354, up 2.4% from the year before.
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Konocti Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $14,354.00 (+2.36%) | $1,264,800 (+2%) Land $561,000 Building $703,800 |
| 2025 | $14,023.00 | $1,240,000 Land $550,000 Building $690,000 |
| 2023 | $11,278.00 (+5.27%) Homeowner's exemption | $984,279 Land $546,822 Building $437,457 |
| 2022 | $10,713.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5238 Harbor Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 9, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 1,331.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 5238 Harbor Rd is very high, ranking above 93% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 93% of the US · above 78% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 55 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 |
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