12 Windcrest, Laguna Niguel, CA 92677 Property Records

Orange County property record for 12 Windcrest, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,121 sqft · built 1985
Lot Size	0.08 acres (3,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,801 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`652-131-13`

Property Details

APN / Parcel Number

Primary APN	`652-131-13`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,121 sqft Living Area
1st Floor Area	1,121 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	3,500 sqft (0.08 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12 WINDCREST
City	LAGUNA NIGUEL
State	CA
Zip	92677-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12287 BLK LOT 11
Legal Tract	12287
Legal Lot Number	11
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3007
Census Tract	42332

Owner

12 Windcrest is owned and occupied by two individuals who acquired it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 WINDCREST, LAGUNA NIGUEL, CA 92677-4743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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 12, 2018	Deed of Trust, Mortgage · Line of Credit UNIFY FINANCIAL FCU
Apr 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 7, 2013
Transfer Doc	0000532382
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	12 WINDCREST, LAGUNA NIGUEL, CA 92677-4743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WINDCREST, LAGUNA NIGUEL, CA 92677-4743

Mortgage

Document Number	0000463158
Date	Dec 12, 2018
Instrument	2018000463158

Lender

Name	UNIFY FINANCIAL FCU
Type	Credit Union
Address	TORRANCE, CA 90501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	12 WINDCREST, LAGUNA NIGUEL, CA 92677-4743
Document Number	0000149214
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 WINDCREST LAGUNA NIGUEL CA 926774743, LAGUNA NIGUEL, CA 92677-4743

Mortgage

Document Number	0000149214
Date	Apr 13, 2017
Instrument	149214

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12 Windcrest was $2,801 with a homeowner's exemption.

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		$288,418 (+2%) Land $141,965 Building $146,453
2025	$2,801.00 Homeowner's exemption	$282,763 Land $139,181 Building $143,582
2023	$2,694.00 (+2.01%) Homeowner's exemption	$271,784 Land $133,777 Building $138,007
2022	$2,641.00

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

Flood

FEMA maps place 12 Windcrest in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · rainfall accumulation

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

The area around 12 Windcrest has no burnable land within ember reach, so its wildfire risk is not rated.

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 454 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	100 / 20

May also be available: Verizon.

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