Lake County property record for 6490 16th Ave, Lucerne, CA 95458
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,048 sqft · built 1933 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Nov 2020) |
| Tax Bill | $3,132 (2026) |
| Deeds & Mortgages | Aug 2018 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 034-212-290-000 |
| Primary APN | 034-212-290-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Construction Type | Steel Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 034-212-29 |
|---|---|
| Street Address | 6490 16TH AVE |
| City | LUCERNE |
| State | CA |
| Zip | 95458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | LUCERNE |
| Legal Block | 2 |
| Legal Lot Number | 766 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 501 |
Source: Lake County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 77, LUCERNE, CA 95458-0077 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 31, 2018 | Deed of Trust, Mortgage · Line of Credit COMMUNITY 1ST CU |
| Nov 5, 2020 | Grant Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2020 · Amount on Record |
| Deed Sale | Nov 5, 2020 · Amount on Record |
| Deed Document Number | 202014302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 6490 16TH AVE, LUCERNE, CA 95458 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000011197 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 2018011197 |
| Name | COMMUNITY 1ST CU |
|---|---|
| Type | Credit Union |
| Address | SANTA ROSA, CA 95406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Nov 5, 2020 |
| Property Address | 6490 16TH AVE, LUCERNE, CA 95458 |
| Document Number | 0000014302 |
| Map Reference | MB 3 PG 113&123 |
| Instrument Date | Nov 3, 2020 |
| Instrument | 2020014302 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 77, LUCERNE, CA 95458-0077 |
| Document Number | 0000014303 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 2020014303 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Elementary School District | Lucerne Elementary School District (KG - 08) |
| Secondary School District | Upper Lake Unified School District (9-12) (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,132.00 (-2.37%) | $292,578 (+2%) Land $38,641 Building $253,937 |
| 2025 | $3,208.00 (+4.5%) | $286,842 (+4.04%) Land $37,884 Building $248,958 |
| 2023 | $3,070.00 (+3.54%) Homeowner's exemption | $275,706 Land $36,414 Building $239,292 |
| 2022 | $2,965.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 38 (1983–2017) |
| Claims Outside the SFHA | 3 of 38 |
| Most Recent Claim | Mar 2017 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 45% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LUCERNE WATER CO. - CAL WATER SERVICE private · serves 2,312 people · EPA ID CA1710005 |
|---|---|
| Water Source | Surface water |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 450 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 |
| 101Netlink Fixed Wireless | 100 / 20 |
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