7292 E Hwy 20, Lucerne, CA 95458 Property Records

Lake County property record for 7292 E Hwy 20, Lucerne, CA 95458

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,314 sqft · built 1999
Lot Size	20.3 acres (886,881 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Aug 2020)
Tax Bill	$5,989 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060-121-010-000`

Property Details

APN / Parcel Number

Primary APN	`060-121-010-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,314 sqft Living Area

Exterior

Year Built	Built 1999
Construction Type	Wood
Lot Area	886,881 sqft (20.3 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7292 E HIGHWAY 20
City	LUCERNE
State	CA
Zip	95458-7804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Jurisdiction	LAKE CA
Township / Civil Division	LUCERNE-CLEARLAKE OAKS
Census Block Group	2
Census Block	2037
Census Tract	501

Owner

Source: Lake County records · APN 060-121-010-000

Assessment roll updated July 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	630 ALVARADO ST APT 303, 303, SAN FRANCISCO, CA 94114-3251
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 24, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Mar 15, 2016 · Amount on Record
Deed Document Number	2020010328
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	7292 E HIGHWAY 20, LUCERNE, CA 95458-7804
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7292 E HIGHWAY 20, LUCERNE, CA 95458-7804
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011592
Date	Nov 07, 2025
Instrument	2025011592

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	7292 E HIGHWAY 20, LUCERNE, CA 95458-7804
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7292 E HIGHWAY 20, LUCERNE, CA 95458-7804

Mortgage

Document Number	0000013374
Date	Aug 13, 2021
Instrument	2021013374

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2036

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Aug 24, 2020
Property Address	7292 E HIGHWAY 20, LUCERNE, CA 95458-7804
Document Number	0000010328
Map Reference	MB 1 PG 65-67
Instrument Date	Aug 15, 2020
Instrument	2020010328
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	630 ALVARADO ST APT 303, 303, SAN FRANCISCO, CA 94114-3251
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010329
Date	Aug 24, 2020
Instrument	2020010329

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$5,989.00 (+4.56%)	$541,214 (+4.04%) Land $243,546 Building $297,668
2023	$5,728.00 (+0.92%)	$520,200 Land $234,090 Building $286,110
2022	$5,676.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 9, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Very High above 94% of the US · above 80% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
DigitalPath Fixed Wireless	400 / 20
Starlink Satellite	280 / 30
101Netlink Fixed Wireless	100 / 20
Valley Internet Fixed Wireless	50 / 25

Based on FCC filings for 3 locations within half a mile of this property.

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