Lake County property record for 728 Spinnaker Ct, Clearlake Oaks, CA 95423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1991 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,132 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 035-843-160-000 |
| Primary APN | 035-843-160-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Steel Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Old Parcel Number | 035-843-16 |
|---|---|
| Street Address | 728 SPINNAKER CT |
| City | CLEARLAKE OAKS |
| State | CA |
| Zip | 95423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | CLEAR LAKE KEYS 07 |
| Legal Block | 1 |
| Legal Lot Number | 770 |
| Jurisdiction | LAKE CA |
| Township / Civil Division | LUCERNE-CLEARLAKE OAKS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 601 |
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 | PO BOX 138, CLEARLAKE OAKS, CA 95423-0138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 728 SPINNAKER CT, CLEARLAKE OAKS, CA 95423 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 138, CLEARLAKE OAKS, CA 95423-0138 |
| Document Number | 0000009022 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021009022 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Lake County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Konocti Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,132.00 (+2.45%) Homeowner's exemption | $189,261 (+2%) Land $41,379 Building $147,882 |
| 2025 | $2,081.00 (+2.21%) Homeowner's exemption | $185,551 (+4.04%) Land $40,568 Building $144,983 |
| 2023 | $2,036.00 (+5.11%) Homeowner's exemption | $178,348 Land $38,994 Building $139,354 |
| 2022 | $1,937.00 |
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 91 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 91 in force |
| Nearby Flood Claims | 5 (1998–2023) |
| Most Recent Claim | Apr 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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 50% of the US · lower than 70% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | CLEARLAKE OAKS COUNTY WATER DISTRICT serves 2,359 people · EPA ID CA1710001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2021 |
| Lead | Under 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2023 |
|---|---|
| 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 597 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 |
| Verizon Fixed Wireless | 300 / 20 |
| 101Netlink Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures