10 Encinal, Foothill Ranch, CA 92610 Property Records

Orange County property record for 10 Encinal, Foothill Ranch, CA 92610

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,992 sqft · built 1992
Lot Size	0.204 acres (8,866 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,530,000 (May 2025)
Tax Bill	$12,896 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`601-102-01`

Property Details

APN / Parcel Number

Primary APN	`601-102-01`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,992 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Traditional
Lot Area	8,866 sqft (0.204 acres)
Garage Area	593 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	10 ENCINAL
City	LAKE FOREST
State	CA
Zip	92610-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13750 BLK LOT 32
Legal Subdivision	91-052
Legal Tract	13750
Legal Lot Number	32
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	3
Census Block	3002
Census Tract	52430

Owner

Source: Orange County records, as of August 4, 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	12 GARDENIA, LAKE FOREST, CA 92630-8367
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage CLEAREDGELENDING
May 9, 2017	Deed of Trust, Mortgage · ARM PENTAGON FCU
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Jun 24, 2022	Deed of Trust, Mortgage · Line of Credit SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	Sep 4, 2015 · Amount on Record
Deed Document Number	2025147715
Prior Transfer Date	May 4, 1995
Prior Transfer Doc	0000236467
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	May 28, 2026
Property Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859
Document Number	0000152455
Instrument Date	May 22, 2026
Instrument	2026152455
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859

Mortgage

Document Number	0000152455,
Date	May 28, 2026
Instrument	2026152455

Lender

Name	CLEAREDGELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	MEMBERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186906
Date	May 9, 2017
Instrument	2017000186906

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	ARM
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jan 1, 2022
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5%
Index	5-Year CMT
Margin	2
Max Rate	8%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036652
Date	Jan 28, 2020
Instrument	2020000036652

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859

Mortgage

Document Number	0000198151
Date	May 31, 2022
Instrument	2022000198151

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2037
Change Frequency	Monthly
Min Rate At Change	2%
Max Rate At Change	10.3%
Index	10-Year TN
Margin	2
Max Rate	10.3%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ENCINAL, FOOTHILL RANCH, CA 92610-1859

Mortgage

Document Number	0000225484
Date	Jun 24, 2022
Instrument	2022000225484

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Lake Forest City
Unified School District	Saddleback Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,580,600 (+108.71%) Land $1,885,051 Building $695,549
2025	$12,896.00 (+4.3%)	$1,236,468 (+4.04%) Land $654,539 Building $581,929
2023	$12,364.00 (+1.81%)	$1,188,455 Land $629,122 Building $559,333
2022	$12,144.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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
Nearby Flood Policies	1 in force

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 74% of the US · above 49% of California
Wildfire Likelihood	0.5% 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	IRVINE RANCH WATER DISTRICT serves 450,323 people · EPA ID CA3010092
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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