820 Clover Dr, Upper Lake, CA 95485 Property Records

Lake County property record for 820 Clover Dr, Upper Lake, CA 95485

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,354 sqft · built 1951
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Aug 2025)
Tax Bill	$5,404 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-063-120-000`

Property Details

APN / Parcel Number

Primary APN	`004-063-120-000`
Alternative APN	`004-063-12`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,354 sqft Living Area
1st Floor Area	2,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1960
Construction Type	Wood
Lot Area	49,658 sqft
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Old Parcel Number	004-063-12
Street Address	820 CLOVER DR
City	UPPER LAKE
State	CA
Zip	95485-9219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	1
Jurisdiction	LAKE CA
Township / Civil Division	UPPER LAKE-NICE
Census Block Group	1
Census Block	1002
Census Tract	100

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	Individual Name on Record
Mailing Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Apr 14, 2017	Grant Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Document Number	20258197
Prior Transfer Date	Jul 27, 2016
Prior Transfer Doc	0000009512
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219

Mortgage

Document Number	0000017851
Date	Oct 21, 2021
Instrument	2021017851

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009539
Date	Jul 24, 2018
Instrument	2018009539

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE CA
Property Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219
Document Number	0000014370
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	820 CLOVER DR UPPER LAKE CA 954859219, UPPER LAKE, CA 95485-9219

Mortgage

Document Number	0000014370
Date	Nov 9, 2020
Instrument	14370

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Nov 8, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE CA
Recording Date	Apr 14, 2017
Property Address	820 CLOVER DR, UPPER LAKE, CA 95485-9219
Document Number	0000004861
Instrument Date	Apr 11, 2017
Instrument	4861
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$401.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	820 CLOVER DR UPPER LAKE CA 954859219, UPPER LAKE, CA 95485-9219

Mortgage

Document Number	4862
Date	Apr 14, 2017
Instrument	4862

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Lake County
Unified School District	Upper Lake Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,404.00 (+14.76%)	$485,000 (+14.49%) Land $90,000 Building $395,000
2025	$4,709.00 (+3.13%)	$423,606 (+4.04%) Land $83,558 Building $340,048
2023	$4,566.00 (-2.64%)	$407,159 Land $80,314 Building $326,845
2022	$4,690.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 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 89% of the US · above 71% of California
Wildfire Likelihood	1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
101Netlink Fixed Wireless	100 / 20

May also be available: DigitalPath.

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