108 Coldwater, Irvine, CA 92602 Property Records

Orange County property record for 108 Coldwater, Irvine, CA 92602

Property Summary

Property Type	Single Family Home
Details	built 2022
Lot Size	0.117 acres (5,115 sqft)
Owner	Individual Name on Record
Last Sale	$3,267,500 (Jul 2023)
Tax Bill	$42,361 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`527-561-13`

Property Details

APN / Parcel Number

Primary APN	`527-561-13`

Exterior

Year Built	Built 2022
Lot Area	5,115 sqft (0.117 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	108 COLDWATER
City	IRVINE
State	CA
Zip	92602-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 19006 BLK LOT 18
Legal Subdivision	TRACT NO 16755
Legal Tract	19006
Legal Lot Number	18
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	5
Census Block	5030
Census Tract	52437

Owner

Source: Orange County records, as of June 25, 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	108 COLDWATER, IRVINE, CA 92602-1926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO TITLE COMPANY
Apr 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage PREFERRED BANK
Jul 25, 2023	Grant Deed, Subdivision Related Transfer · Commercial Mortgage MENGJIE YOU
Jul 30, 2021	Grant Deed, Transfer · Stand-Alone First Mortgage IRVINE COMMUNITY DEVELOPMENT COMPAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on Record
Deed Sale	Jul 25, 2023 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	2023178922
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Apr 1, 2026
Property Address	108 COLDWATER, IRVINE, CA 92602-1926
Document Number	0000093049
Instrument Date	Mar 25, 2026
Instrument	202693049
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COLDWATER, IRVINE, CA 92602-1926

Mortgage

Document Number	0000093049,
Date	Apr 1, 2026
Instrument	202693049

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	5.98%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	108 COLDWATER, IRVINE, CA 92602-1926
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COLDWATER, IRVINE, CA 92602-1926

Mortgage

Document Number	0000093660
Date	Apr 15, 2024
Instrument	2024000093660

Lender

Name	PREFERRED BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	May 1, 2027
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.5%

July 2023: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 25, 2023
Property Address	108 COLDWATER, IRVINE, CA 92602-1926
Document Number	0000178922
Map Reference	MB 985 PG 28-34
Instrument Date	Apr 25, 2023
Instrument	2023000178922
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL BUILDER SV

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
Address	108 COLDWATER, IRVINE, CA 92602-1926

Mortgage

Document Number	0000178923
Date	Jul 25, 2023
Instrument	2023000178923

Lender

Name	MENGJIE YOU
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 30, 2021
Property Address	108 COLDWATER, IRVINE, CA 92602-1926
Document Number	0000484260
Map Reference	MB 866 PG 12-21
Instrument Date	Jul 21, 2021
Instrument	2021000484260
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ADA STE 200, 200, IRVINE, CA 92618-5325
Investor	Possibly a Property Investor

Mortgage

Document Number	0000484263
Date	Jul 30, 2021
Instrument	2021000484263

Lender

Name	IRVINE COMMUNITY DEVELOPMENT COMPAN
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 6, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Irvine City
Unified School District	Tustin Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$42,361.00 (+4.2%)	$3,332,519 (+74.63%) Land $2,112,892 Building $1,219,627
2024	$40,652.00 (+53.76%)
2023	$26,438.00 (+31.92%)	$1,908,279 (+49.08%) Land $1,305,600 Building $602,679
2022	$20,041.00	$1,280,000 Land $1,280,000

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
Community Rating System	Class 9 (5% premium discount)
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	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Google Fiber Fiber	2,000 / 1,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35

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

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