568 Spinnaker Ct, Clearlake Oaks, CA 95423 Property Records

Lake County property record for 568 Spinnaker Ct, Clearlake Oaks, CA 95423

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,598 sqft · built 1981
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$266,500 (Oct 2020)
Tax Bill	$3,303 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`035-822-270-000`

Property Details

APN / Parcel Number

Primary APN	`035-822-270-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	568 SPINNAKER CT
City	CLEARLAKE OAKS
State	CA
Zip	95423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CLEAR LAKE KEYS 06
Jurisdiction	LAKE CA
Township / Civil Division	LUCERNE-CLEARLAKE OAKS
Census Block Group	1
Census Block	1006
Census Tract	601

Owner

Source: Lake County records, as of September 29, 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 Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 375, CLEARLAKE OAKS, CA 95423-0375
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 6, 2020	Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	Jun 14, 2011
Deed Document Number	2020012642
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	568 SPINNAKER CT, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	568 SPINNAKER CT, CLEARLAKE OAKS, CA 95423

Mortgage

Document Number	0000011845
Date	Oct 31, 2023
Instrument	2023011845

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	568 SPINNAKER CT, CLEARLAKE OAKS, CA 95423
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 375, CLEARLAKE OAKS, CA 95423-0375

Mortgage

Document Number	0000013062
Date	Aug 9, 2021
Instrument	2021013062

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Oct 6, 2020
Property Address	568 SPINNAKER CT, CLEARLAKE OAKS, CA 95423
Document Number	0000012642
Map Reference	MB 9 PG 52-54
Instrument Date	Oct 1, 2020
Instrument	2020012642
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	6709 BISMARCK DR, NORTH HIGHLANDS, CA 95660-3711

Mortgage

Document Number	0000012643
Date	Oct 6, 2020
Instrument	2020012643

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,303.00 (+2.13%)	$287,924 (+4.04%) Land $71,439 Building $216,485
2023	$3,234.00 (+5.1%)	$276,746 Land $68,666 Building $208,080
2022	$3,077.00

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 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 Record median of 91 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	91 in force
Nearby Flood Claims	5 (1998–2023)
Most Recent Claim	Apr 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 65% of the US · lower than 60% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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	CLEARLAKE OAKS COUNTY WATER DISTRICT serves 2,359 people · EPA ID CA1710001
Water Source	Surface water
Last State Inspection	Jun 2021
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2023
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 597 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20
101Netlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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