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5485 E Hwy 20, Lucerne, CA 95458 Property Records

Lake County property record for 5485 E Hwy 20, Lucerne, CA 95458 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,016 sqft · built 1954
Lot Size0.65 acres (28,315 sqft)
OwnerIndividual Name on File
Last Sale$441,000 (Sep 2000)
Tax Bill$7,787 (2025)
Deeds & MortgagesSep 2025 Transfer
Sep 2025 Transfer
+ 1 more
Flood ZoneZone AE (high risk)
APN004-070-180-000

Property Details

APN / Parcel Number

Primary APN004-070-180-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Building Area2,016 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1954
Construction TypeTilt-Up Concrete
Lot Area28,315 sqft (0.65 acres)
Garage Area925 sqft

Location & Zoning

Street Address5485 E HIGHWAY 20
CityLUCERNE
StateCA
Zip95458
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionLAKE CA
Township / Civil DivisionLUCERNE-CLEARLAKE OAKS
Census Block Group1
Census Block1136
Census Tract501

Owner

Source: Lake County records · APN 004-070-180-000

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 RecordIndividual Name on File
Mailing Address719 FOLKSTONE AVE, SAN MATEO, CA 94402-1925
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2025Intrafamily Transfer, Transfer
Sep 12, 2025Intrafamily Transfer, Transfer
Oct 27, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUILD MORTGAGE CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 22, 2000 · Amount on Record
Deed SaleSep 22, 2000 · Amount on Record
Prior SaleSep 12, 2025
Deed Document Number0000015858
Deed Book / Page004
Record UpdatedJun 08, 2026

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE CA
Recording DateSep 12, 2025
Property Address5485 E HIGHWAY 20, LUCERNE, CA 95458
Document Number0000009337
Instrument DateSep 09, 2025
Instrument2025009337
Transaction TypeTransfer
Record UpdatedSep 26, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address719 FOLKSTONE AVE, SAN MATEO, CA 94402-1925

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE CA
Recording DateSep 12, 2025
Property Address5485 E HIGHWAY 20, LUCERNE, CA 95458
Document Number0000009338
Instrument DateSep 08, 2025
Instrument2025009338
Transaction TypeTransfer
Record UpdatedSep 26, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address719 FOLKSTONE AVE, SAN MATEO, CA 94402-1925

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE CA
Property Address5485 E HIGHWAY 20, LUCERNE, CA 95458
Transaction TypeMortgage
Record UpdatedFeb 17, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5485 E HIGHWAY 20, LUCERNE, CA 95458-8578

Mortgage

Document Number0000013684
DateOct 27, 2020
Instrument2020013684
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountyLake County
Elementary School DistrictLucerne Elementary School District (KG - 08)
Secondary School DistrictUpper Lake Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$7,787.00 (+4.61%) Homeowner's exemption$713,745 (+4.04%) Land $452,045 Building $261,700
2023$7,444.00 (+0.95%) Homeowner's exemption$686,032 Land $434,493 Building $251,539
2022$7,374.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (06033C), updated October 9, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060330005011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation1,331.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies10 in force
10 of 10 on primary residences
Nearby Flood Claims13 (1983–2024)
Claims Outside the SFHA7 of 13
Most Recent ClaimFeb 2024, rainfall accumulation, Severe Storms And Flooding
Flood Events
  • Severe Winter Storms And Flooding (Feb 1998), 5 claims
  • Severe Winter Storms, Flooding Landslides, Mud Flow (Mar 1995), 2 claims
  • Severe Storms & Flooding (Mar 1986), 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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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