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6945 Panoramic Dr, Lucerne, CA 95458 Property Records

Lake County property record for 6945 Panoramic Dr, Lucerne, CA 95458

Property Summary

Property TypeResidential Vacant Land
Lot Size0.42 acres (18,295 sqft)
OwnerIndividual Name on Record
Last Sale$440,000 (Oct 2022)
Tax Bill$388 (2026)
Deeds & MortgagesNov 2025 Sale & Mortgage
Oct 2022 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN006-471-100-000

Property Details

APN / Parcel Number

Primary APN006-471-100-000
Alternative APN
  • 006-471-10

Exterior

Lot Area18,295 sqft (0.42 acres)

Location & Zoning

Old Parcel Number006-471-10
Street Address6945 PANORAMIC DR
CityLUCERNE
StateCA
Zip95458
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeSR
Legal SubdivisionLUCERNE RIVIERA ESTATES
Legal Block2
Legal Lot Number59
JurisdictionLAKE CA
Township / Civil DivisionLUCERNE-CLEARLAKE OAKS
Census Block Group2
Census Block2037
Census Tract501

Owner

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 RecordIndividual Name on Record
Mailing Address10825 LAYTONVILLE DOS RIOS RD, DOS RIOS, CA 95429-8616
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 17, 2025Grant Deed, Transfer · Conventional Mortgage
EVERETT FINANCIAL INC
Oct 12, 2022Grant Deed, Transfer · Conventional Mortgage
KIND LENDING LLC
Jan 30, 2018Quit Claim Deed, Transfer
FIDELITY NATIONAL TITLE
Jan 30, 2018Grant Deed, Transfer · Conventional with PMI
STEARNS LNDG
Jan 30, 2018Quit Claim Deed, Transfer
STEARNS LNDG
May 30, 2017Affidavit of Death, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 12, 2022 · Amount on Record
Deed SaleOct 12, 2022 · Amount on Record
Prior SaleDec 23, 2003 · Amount on Record
Deed Document Number202213864
Prior Transfer DateJan 25, 2018
Prior Transfer Doc0000000959
Record UpdatedOct 29, 2026

November 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLAKE CA
Recording DateNov 17, 2025
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000011862
Map ReferenceMB 8 PG 67
Instrument DateNov 12, 2025
Instrument2025011862
Transaction TypeTransfer
Record UpdatedDec 10, 2025
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6949 PANORAMIC DR # 6945, 6945, LUCERNE, CA 95458

Mortgage

Document Number0000011863
DateNov 17, 2025
Instrument2025011863
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
AddressDALLAS, TX 75254
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

October 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLAKE CA
Recording DateOct 12, 2022
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000013864
Map ReferenceMB 8 PG 67-73
Instrument DateOct 5, 2022
Instrument2022013864
Transaction TypeTransfer
Record UpdatedDec 10, 2025
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
AddressPO BOX 1559, LAKEPORT, CA 95453-1559

Mortgage

Document Number0000013865
DateOct 12, 2022
Instrument2022013865
Lender
NameKIND LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE CA
Recording DateJan 30, 2018
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000000959
Instrument DateJan 25, 2018
Instrument959
Transaction TypeTransfer
Record UpdatedMar 8, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address6949 PANORAMIC DR LUCERNE CA 95458, LUCERNE, CA 95458

January 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLAKE CA
Recording DateJan 30, 2018
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000000958
Instrument DateJan 25, 2018
Instrument958
Transaction TypeTransfer
Record UpdatedMay 29, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$314.00
Amount AccuracyFull Value
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7146 FIR AVE CLEARLAKE CA 95422, CLEARLAKE, CA 95422

Mortgage

Document Number961
DateJan 30, 2018
Instrument961
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 29, 2048

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE CA
Recording DateJan 30, 2018
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000000960
Instrument DateJan 25, 2018
Instrument960
Transaction TypeTransfer
Record UpdatedMay 29, 2020
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address6949 PANORAMIC DR LUCERNE CA 95458, LUCERNE, CA 95458

Mortgage

Document Number961
DateJan 30, 2018
Instrument961
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
AmountAmount Recorded
Term360 Months
DueJan 29, 2048

May 2017: Affidavit of Death, Transfer

Document TypeAffidavit of Death
JurisdictionLAKE CA
Recording DateMay 30, 2017
Property Address6945 PANORAMIC DR, LUCERNE, CA 95458
Document Number0000006883
Instrument DateMar 30, 2017
Instrument6883
Transaction TypeTransfer
Record UpdatedJul 6, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address560 N ECCLES AVE OGDEN UT 844046608, OGDEN, UT 84404-6608

Tax Assessment & Valuation

Source: Lake County assessment roll, as of October 21, 2026

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

YearTax BillAssessed Value
2026$388.00 (-18.66%)$35,000 (-15.9%) Land $35,000
2025$477.00 (+4.38%)$41,616 (+4.04%) Land $41,616
2023$457.00 (+5.3%)$40,000 Land $40,000
2022$434.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 9, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims38 (1983–2017)
Claims Outside the SFHA3 of 38
Most Recent ClaimMar 2017 · other causes
Claims by Event
  • Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims
  • Severe Winter Storms And Flooding, Feb 1998 · 9 claims
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 7 claims

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 RiskVery High
above 93% of the US · above 77% of California
Wildfire Likelihood1% annual chance
ExposureDirect
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLUCERNE WATER CO. - CAL WATER SERVICE
private · serves 2,312 people · EPA ID CA1710005
Water SourceSurface water
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
DigitalPath
Fixed Wireless		400 / 20
101Netlink
Fixed Wireless		100 / 20

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