10 Phaedra, Laguna Niguel, CA 92677 Property Records

Orange County property record for 10 Phaedra, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,015 sqft · built 1995
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Company Names on Record
Last Sale	$1,550,000 (Jul 2020)
Tax Bill	$16,869 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`653-511-38`

Property Details

APN / Parcel Number

Primary APN	`653-511-38`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,015 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	10,560 sqft (0.242 acres)
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Location & Zoning

Street Address	10 PHAEDRA
City	LAGUNA NIGUEL
State	CA
Zip	92677-9044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13255 BLK LOT 38
Legal Subdivision	PALACIO MARINA HILLS
Legal Tract	13255
Legal Lot Number	38
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1000
Census Tract	42331

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 Company Names on Record
Mailing Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 6, 2020	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Aug 17, 2010 · Amount on Record
Deed Document Number	2020317450
Prior Transfer Date	Apr 14, 2004
Prior Transfer Doc	0000369622
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000330604
Date	Sep 4, 2019
Instrument	2019000330604

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044

Mortgage

Document Number	0000516901
Date	Aug 17, 2021
Instrument	2021000516901

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.87%
Index	Other
Margin	3
Max Rate	6.87%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 6, 2020
Property Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044
Document Number	0000317450
Map Reference	MB 610 PG 1-4
Instrument Date	Jul 1, 2020
Instrument	2020000317450
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Revocable Living Trust
Address	10 PHAEDRA, LAGUNA NIGUEL, CA 92677-9044

Mortgage

Document Number	0000317451
Date	Jul 6, 2020
Instrument	2020000317451

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Laguna Niguel City
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,711,324 (+2%) Land $1,239,291 Building $472,033
2025	$16,869.00 (+3.91%) Homeowner's exemption	$1,677,769 (+4.04%) Land $1,214,991 Building $462,778
2023	$16,234.00 (+1.95%) Homeowner's exemption	$1,612,620 Land $1,167,812 Building $444,808
2022	$15,924.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	MOULTON NIGUEL WATER DISTRICT serves 168,315 people · EPA ID CA3010073
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2022–2024) 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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