6975 Plaza Ter, Lucerne, CA 95458 Property Records

Lake County property record for 6975 Plaza Ter, Lucerne, CA 95458

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,037 sqft · built 1963
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Apr 2020)
Tax Bill	$3,222 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-393-250-000`

Property Details

APN / Parcel Number

Primary APN	`006-393-250-000`
Alternative APN	`006-393-25`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,037 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Concrete
Lot Area	17,424 sqft (0.4 acres)
Garage Area	494 sqft

Location & Zoning

Old Parcel Number	006-393-25
Street Address	6975 PLAZA TER
City	LUCERNE
State	CA
Zip	95458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LUCERNE RIVIERA
Legal Block	2
Legal Lot Number	264
Jurisdiction	LAKE CA
Township / Civil Division	LUCERNE-CLEARLAKE OAKS
Census Block Group	2
Census Block	2037
Census Tract	501

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 Record	2 Individual Names on Record
Mailing Address	PO BOX 1012, LUCERNE, CA 95458-1012
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU
Jan 31, 2017	Grant Deed, Transfer · Conventional Mortgage WESTERN BANCORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	20205082
Prior Transfer Date	Mar 10, 2009
Prior Transfer Doc	0000004206
Record Updated	Oct 29, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Apr 30, 2020
Property Address	6975 PLAZA CT, LUCERNE, CA 95458
Document Number	0000005082
Map Reference	MB 7 PG 46-49
Instrument Date	Apr 29, 2020
Instrument	2020005082
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	430 POMO DR, UKIAH, CA 95482-5127

Mortgage

Document Number	0000005083
Date	Apr 30, 2020
Instrument	2020005083

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	6975 PLAZA CT, LUCERNE, CA 95458
Document Number	0000000307
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1002 HADDON DR SAN MATEO CA 944022504, SAN MATEO, CA 94402-2504

Mortgage

Document Number	0000000307
Date	Jan 9, 2020
Instrument	307

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2050

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Jan 31, 2017
Property Address	6975 PLAZA CT, LUCERNE, CA 95458
Document Number	0000001311
Instrument Date	Jan 26, 2017
Instrument	1311
Transaction Type	Transfer
Record Updated	Jun 2, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 CALVERT AVE SOUTH SAN FRANCISCO CA 940801130, SOUTH SAN FRANCISCO, CA 94080-1130

Mortgage

Document Number	1312
Date	Jan 31, 2017
Instrument	1312

Lender

Name	WESTERN BANCORP
Type	Bank
Address	SAN JOSE, CA 95123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,222.00 (-2.36%)	$301,184 (+2%) Land $66,928 Building $234,256
2025	$3,300.00 (+4.5%)	$295,279 (+4.04%) Land $65,616 Building $229,663
2023	$3,158.00 (+0.89%)	$283,815 Land $63,069 Building $220,746
2022	$3,130.00

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 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	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 Risk	High above 88% of the US · above 70% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
101Netlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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