Lake County property record for 6649 E Hwy 20, Lucerne, CA 95458
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 912 sqft · built 1978 |
| Lot Size | 0.179 acres (7,840 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,516 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 034-362-360-000 |
| Primary APN | 034-362-360-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Construction Type | Wood |
| Lot Area | 7,840 sqft (0.179 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Evaporative |
|---|---|
| Heating System | Central |
| Street Address | 6649 E HIGHWAY 20 |
|---|---|
| City | LUCERNE |
| State | CA |
| Zip | 95458-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FORMERLY APN 034-362-350-000, 034-362-360-000. |
| Legal Subdivision | CLEARLAKE BEACH ANX 02 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 501 |
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 | 6649 E HIGHWAY 20, LUCERNE, CA 95458-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2025 |
| Deed Sale | Jun 11, 2025 |
| Prior Sale | Sep 26, 2014 · Amount on Record |
| Deed Document Number | 0000005468 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 6649 E HIGHWAY 20, LUCERNE, CA 95458 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 7216 ROXANNE LN, ROHNERT PARK, CA 94928-2958 |
| Document Number | 0000001632 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2021001632 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
Source: Lake County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|
| 2025 | $4,516.00 (+40.6%) | $406,575 (+40.79%) Land $250,339 Building $156,236 |
| 2023 | $3,212.00 (+0.91%) | $288,789 Land $138,619 Building $150,170 |
| 2022 | $3,183.00 |
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 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 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 | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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: FCC Broadband Data Collection, based on 25 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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