11 Bernay, Laguna Niguel, CA 92677 Property Records

Orange County property record for 11 Bernay, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,944 sqft · built 1989
Lot Size	0.15 acres (6,552 sqft)
Owner	Company Name on File
Last Sale	$385,500 (Jan 1996)
Tax Bill	$6,479 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`653-383-05`

Property Details

APN / Parcel Number

Primary APN	`653-383-05`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,944 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	6,552 sqft (0.15 acres)
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	11 BERNAY
City	LAGUNA NIGUEL
State	CA
Zip	92677-8610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12980 BLK LOT 5
Legal Subdivision	MARINA HILLS
Legal Tract	12980
Legal Lot Number	5
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1005
Census Tract	42331

Owner

11 Bernay is owned by a company that acquired it in April 2007.

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

Owner of Record	Company Name on File
Mailing Address	23842 PASEO DEL CAMPO, LAGUNA NIGUEL, CA 92677-2403
Owner Type	Company
Vesting	Limited Liability Partnership

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

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 1996 · Amount on File
Deed Sale	Jan 3, 1996 · Amount on File
Deed Document Number	19963850
Last Transfer Date	Apr 24, 2007
Transfer Doc	0000305844
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	11 BERNAY, LAGUNA NIGUEL, CA 92677-8610
Document Number	0000016483
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 BERNAY LAGUNA NIGUEL CA 926778610, LAGUNA NIGUEL, CA 92677-8610

Mortgage

Document Number	0000016483
Date	Jan 18, 2018
Instrument	16483

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	11 BERNAY, LAGUNA NIGUEL, CA 92677-8610
Document Number	0000470473
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	11 BERNAY LAGUNA NIGUEL CA 926778610, LAGUNA NIGUEL, CA 92677-8610

Mortgage

Document Number	0000470473
Date	Nov 6, 2017
Instrument	470473

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 5, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 11 Bernay was $6,479, up 1.7% from the year before.

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		$653,219 (+2%) Land $261,204 Building $392,015
2025	$6,479.00 (+1.7%)	$640,411 Land $256,082 Building $384,329
2024	$6,371.00 (+2.16%)
2023	$6,236.00 (+1.95%)	$615,544 Land $246,138 Building $369,406
2022	$6,117.00

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

Flood

FEMA maps place 11 Bernay in Zone X, an area of minimal flood risk.

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

Wildfire risk around 11 Bernay is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 558 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: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bernay

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