Orange County property record for 10 Smoke Tree Dr, Ladera Ranch, CA 92694
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,138 sqft · built 2002 |
| Lot Size | 0.137 acres (5,953 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,020,000 (Oct 2015) |
| Tax Bill | $16,228 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 741-041-35 |
| Primary APN | 741-041-35 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,138 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 5,953 sqft (0.137 acres) |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Street Address | 10 SMOKE TREE DR |
|---|---|
| City | LADERA RANCH |
| State | CA |
| Zip | 92694-0879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 16121 BLK LOT 36 |
| Legal Subdivision | TRACT NO 16121 |
| Legal Tract | 16121 |
| Legal Lot Number | 36 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | MISSION VIEJO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 32059 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 10 SMOKE TREE DR, LADERA RANCH, CA 92694-0879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU |
| Jul 27, 2020 | Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU |
| Aug 4, 2020 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2015 · Amount on Record |
| Deed Sale | Oct 9, 2015 · Amount on Record |
| Prior Sale | Jul 25, 2003 · Amount on Record |
| Deed Document Number | 2015515332 |
| Last Transfer Date | Jul 22, 2020 |
| Transfer Doc | 0000378011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 10 SMOKE TREE DR, MISSION VIEJO, CA 92694-0879 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10 SMOKE TREE DR, LADERA RANCH, CA 92694-0879 |
| Document Number | 0000342203 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025000342203 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 10 SMOKE TREE DR, MISSION VIEJO, CA 92694-0879 |
| Document Number | 0000378012 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 SMOKE TREE DR LADERA RANCH CA 926940879, LADERA RANCH, CA 92694-0879 |
| Document Number | 0000378012 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 378012 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Address | TUSTIN, CA 92780 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Aug 4, 2020 |
| Property Address | 10 SMOKE TREE DR, MISSION VIEJO, CA 92694-0879 |
| Document Number | 0000378011 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 378011 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 SMOKE TREE DR LADERA RANCH CA 926940879, LADERA RANCH, CA 92694-0879 |
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,285,389 (+2%) Land $702,169 Building $583,220 | |
| 2025 | $16,228.00 (+3.39%) Homeowner's exemption | $1,260,186 (+4.04%) Land $688,401 Building $571,785 |
| 2023 | $15,696.00 (+1.92%) Homeowner's exemption | $1,211,252 Land $661,669 Building $549,583 |
| 2022 | $15,400.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 136 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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