1157 Spencer Ln, Fullerton, CA 92833 Property Records

Orange County property record for 1157 Spencer Ln, Fullerton, CA 92833

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,346 sqft · built 2013
Lot Size	0.042 acres (1,862 sqft)
Owner	2 Individual Names on File
Last Sale	$707,500 (Dec 2013)
Tax Bill	$13,859 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`280-452-37`

Property Details

APN / Parcel Number

Primary APN	`280-452-37`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Building Area	2,346 sqft Living Area

Exterior

Year Built	Built 2013
Lot Area	1,862 sqft (0.042 acres)
Garage Area	402 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1157 SPENCER LN
City	FULLERTON
State	CA
Zip	92833-5778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 17424 BLK LOT 48
Legal Tract	17424
Legal Lot Number	48
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	4
Census Block	4011
Census Tract	1704

Owner

1157 Spencer Ln is owned and occupied by two individuals who bought it in December 2013.

Source: Orange County records, as of November 17, 2025

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 File
Mailing Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage BBCN BANK
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit STATE FARM BANK FSB
Jul 2, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2013 · Amount on File
Deed Sale	Dec 18, 2013 · Amount on File
Deed Document Number	2013000697968
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 SPENCER LN, FULLERTON, CA 92833-5778

Mortgage

Document Number	0000168668
Date	May 4, 2022
Instrument	2022000168668

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	PROVIDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 SPENCER LN, FULLERTON, CA 92833-5778

Mortgage

Document Number	0000015637
Date	Jan 12, 2022
Instrument	2022000015637

Lender

Name	BBCN BANK
Type	Bank
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	7.75%
Index	Other
Margin	4
Max Rate	7.75%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 SPENCER LN, FULLERTON, CA 92833-5778

Mortgage

Document Number	0000473915
Date	Jul 26, 2021
Instrument	2021000473915

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	PROVIDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1157 SPENCER LN, FULLERTON, CA 92833-5778

Mortgage

Document Number	0000097406
Date	Feb 11, 2021
Instrument	2021000097406

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047131
Date	Feb 14, 2019
Instrument	2019000047131

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 4, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1157 SPENCER LN, FULLERTON, CA 92833-5778
Document Number	0000259825
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1157 SPENCER LN FULLERTON CA 928335778, FULLERTON, CA 92833-5778

Mortgage

Document Number	0000259825
Date	Jul 19, 2019
Instrument	259825

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1157 Spencer Ln was $13,859 with a homeowner's exemption.

Source: Orange County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Fullerton City
Elementary School District	Fullerton Elementary School District (KG - 08)
Secondary School District	Fullerton Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$13,859.00 Homeowner's exemption	$867,059 Land $466,660 Building $400,399
2023	$13,184.00 (-0.39%) Homeowner's exemption	$833,391 Land $448,539 Building $384,852
2022	$13,235.00

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

Flood

FEMA maps place 1157 Spencer Ln 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 1157 Spencer Ln is low, with less than 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	CITY OF FULLERTON serves 140,054 people · EPA ID CA3010010
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2017
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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GigabitNow Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Cosmo Network Solutions Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Ting.

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