10 Stream St, Laguna Niguel, CA 92677 Property Records

Orange County property record for 10 Stream St, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,730 sqft · built 1986
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Apr 2019)
Tax Bill	$8,176 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`649-471-07`

Property Details

APN / Parcel Number

Primary APN	`649-471-07`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,730 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,000 sqft (0.069 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	10 STREAM ST
City	LAGUNA NIGUEL
State	CA
Zip	92677-5707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12460 BLK LOT 98
Legal Subdivision	TRACT NO 12460
Legal Tract	12460
Legal Lot Number	98
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3004
Census Tract	42331

Owner

Source: Orange County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 12, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 12, 2019	Grant Deed, Transfer · Conventional Mortgage HIGHTECHLENDING
Nov 29, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'
Nov 29, 2018	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	2019118708
Prior Transfer Date	Nov 27, 2018
Prior Transfer Doc	0000448107
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 STREAM ST, LAGUNA BEACH, CA 92677-5707

Mortgage

Document Number	0000310651
Date	May 11, 2021
Instrument	2021000310651

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 12, 2019
Property Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000118707
Instrument Date	Feb 14, 2019
Instrument	118707
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 STREAM ST LAGUNA NIGUEL CA 926775707, LAGUNA NIGUEL, CA 92677-5707

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 12, 2019
Property Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000118708
Instrument Date	Feb 14, 2019
Instrument	118708
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.50
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	10 STREAM ST LAGUNA NIGUEL CA 926775707, LAGUNA NIGUEL, CA 92677-5707

Mortgage

Document Number	118709
Date	Apr 12, 2019
Instrument	118709

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 29, 2018
Property Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000448107
Instrument Date	Nov 27, 2018
Instrument	448107
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	27101 PUERTA REAL #150 MISSION VIEJO CA 926918598, 150, MISSION VIEJO, CA 92691-8598
Investor	Possibly a Property Investor

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 29, 2018
Property Address	10 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000448106
Map Reference	MB546 PG41-45
Instrument Date	Oct 29, 2018
Instrument	2018000448106
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27101 PUERTA REAL STE 150, 150, MISSION VIEJO, CA 92691-8598
Investor	Possibly a Property Investor

Mortgage

Document Number	0000448108
Date	Nov 29, 2018
Instrument	2018000448108

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

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		$824,923 (+2%) Land $636,360 Building $188,563
2025	$8,176.00 (+3.89%)	$808,749 (+4.04%) Land $623,883 Building $184,866
2023	$7,870.00 (+1.94%)	$777,346 Land $599,657 Building $177,689
2022	$7,720.00

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 · 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	2 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	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 584 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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