Lake County property record for 8895 Upper Lake Lucerne Rd, Upper Lake, CA 95485
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,276 sqft · built 1965 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Sep 2023) |
| Tax Bill | $3,695 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-015-280-000 |
| Primary APN | 004-015-280-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,276 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 701 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 8895 UPPER LAKE LUCERNE RD |
|---|---|
| City | UPPER LAKE |
| State | CA |
| Zip | 95485-8751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Jurisdiction | LAKE CA |
| Township / Civil Division | UPPER LAKE-NICE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 100 |
Source: Lake County records, as of September 29, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8895 UPPER LAKE LUCERNE RD, UPPER LAKE, CA 95485-8751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 8, 2023 | Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2023 · Amount on Record |
| Deed Sale | Sep 8, 2023 · Amount on Record |
| Prior Sale | Oct 15, 2015 |
| Deed Document Number | 2023009814 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE CA |
| Property Address | 8895 UPPER LAKE LUCERNE RD, UPPER LAKE, CA 95485-8751 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 8895 UPPER LAKE LUCERNE RD, UPPER LAKE, CA 95485-8751 |
| Document Number | 0000011765 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 2025011765 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE CA |
| Recording Date | Sep 8, 2023 |
| Property Address | 8895 UPPER LAKE LUCERNE RD, UPPER LAKE, CA 95485-8751 |
| Document Number | 0000009814 |
| Map Reference | MB 19 PG 46 |
| Instrument Date | Sep 6, 2023 |
| Instrument | 2023009814 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2023 |
| 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 | 8895 UPPER LAKE LUCERNE RD, UPPER LAKE, CA 95485-8751 |
| Document Number | 0000009815 |
|---|---|
| Date | Sep 8, 2023 |
| Instrument | 2023009815 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | Lake County |
| Unified School District | Upper Lake Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,695.00 (+245.97%) | $331,500 (+264.05%) Land $35,700 Building $295,800 |
| 2023 | $1,068.00 (-2.55%) | $91,058 Land $29,536 Building $61,522 |
| 2022 | $1,096.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 91% of the US · above 74% of California |
|---|---|
| Wildfire Likelihood | 2% 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: FCC Broadband Data Collection, based on 16 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 |
| Verizon Fixed Wireless | 300 / 20 |
| 101Netlink Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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