Lake County property record for 6949 Panoramic Dr, Lucerne, CA 95458
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,390 sqft · built 1989 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $532,500 (Nov 2025) |
| Tax Bill | $5,246 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-471-110-000 |
| Primary APN | 006-471-110-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,390 sqft Living Area |
| 1st Floor Area | 2,390 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Concrete |
| Lot Area | 23,087 sqft (0.53 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 006-471-11 |
|---|---|
| Street Address | 6949 PANORAMIC DR |
| City | LUCERNE |
| State | CA |
| Zip | 95458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Subdivision | LUCERNE RIVIERA ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 59 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 2 |
| Census Block | 2037 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CREDIT UNION |
| Nov 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Oct 12, 2022 | Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Jan 30, 2018 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Jan 30, 2018 | Grant Deed, Transfer · Conventional with PMI STEARNS LNDG |
| Jan 30, 2018 | Quit Claim Deed, Transfer STEARNS LNDG |
| May 30, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2025 · Amount on Record |
| Deed Sale | Nov 17, 2025 · Amount on Record |
| Prior Sale | Oct 12, 2022 · Amount on Record |
| Deed Document Number | 202511862 |
| Prior Transfer Date | Jan 25, 2018 |
| Prior Transfer Doc | 0000000959 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jun 1, 2026 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000005429 |
| Instrument Date | May 26, 2026 |
| Instrument | 20265429 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000005429, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20265429 |
| Name | GOLDEN 1 CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10825 LAYTONVILLE DOS RIOS RD, DOS RIOS, CA 95429-8616 |
| Document Number | 0000011863 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025011863 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Oct 12, 2022 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000013864 |
| Map Reference | MB 8 PG 67-73 |
| Instrument Date | Oct 5, 2022 |
| Instrument | 2022013864 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | FIRSTAMERICAN 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 1559, LAKEPORT, CA 95453-1559 |
| Document Number | 0000013865 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 2022013865 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jan 30, 2018 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000000959 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 959 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 6949 PANORAMIC DR LUCERNE CA 95458, LUCERNE, CA 95458 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jan 30, 2018 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000000958 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 958 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7146 FIR AVE CLEARLAKE CA 95422, CLEARLAKE, CA 95422 |
| Document Number | 961 |
|---|---|
| Date | Jan 30, 2018 |
| Instrument | 961 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 29, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Jan 30, 2018 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000000960 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 960 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 6949 PANORAMIC DR LUCERNE CA 95458, LUCERNE, CA 95458 |
| Document Number | 961 |
|---|---|
| Date | Jan 30, 2018 |
| Instrument | 961 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 29, 2048 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | May 30, 2017 |
| Property Address | 6949 PANORAMIC DR, LUCERNE, CA 95458 |
| Document Number | 0000006883 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 6883 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 560 N ECCLES AVE OGDEN UT 844046608, OGDEN, UT 84404-6608 |
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 | $5,246.00 (+13.53%) | $495,000 (+18.94%) Land $45,000 Building $450,000 |
| 2025 | $4,621.00 (+4.55%) | $416,160 (+4.04%) Land $52,020 Building $364,140 |
| 2023 | $4,420.00 (+46.45%) | $400,000 Land $50,000 Building $350,000 |
| 2022 | $3,018.00 |
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 minimal risk |
|---|---|
| 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 | Very High above 93% of the US · above 77% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct 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.
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| DigitalPath Fixed Wireless | 400 / 20 |
| 101Netlink Fixed Wireless | 100 / 20 |
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