Orange County property record for 12972 Charloma Dr, Tustin, CA 92780
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,407 sqft · built 1960 |
| Lot Size | 0.259 acres (11,300 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $1,486 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 103-453-01 |
| Primary APN | 103-453-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,407 sqft Living Area |
| 1st Floor Area | 1,407 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 11,300 sqft (0.259 acres) |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|
| Street Address | 12972 CHARLOMA DR |
|---|---|
| City | TUSTIN |
| State | CA |
| Zip | 92780-2849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 3358 BLK LOT 91 |
| Legal Subdivision | TRACT 3358 |
| Legal Tract | 3358 |
| Legal Lot Number | 91 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | ANAHEIM-SANTA ANA-GARDEN GROVE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 75603 |
12972 Charloma Dr is owner-occupied and held in a trust since February 2025.
Source: Orange County records, as of August 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 12972 CHARLOMA DR, TUSTIN, CA 92780-2849 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTELLILOAN INC |
| Apr 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage INTELLILOAN INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 6, 2025 |
| Transfer Doc | 0000047584 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 12972 CHARLOMA DR, TUSTIN, CA 92780-2849 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 12972 CHARLOMA DR, TUSTIN, CA 92780-2849 |
| Document Number | 0000591364 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2021000591364 |
| Name | INTELLILOAN INC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92799 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Apr 1, 2021 |
| Property Address | 12972 CHARLOMA DR, TUSTIN, CA 92780-2849 |
| Document Number | 0000223923 |
| Map Reference | MB 123 PG 30-32 |
| Instrument Date | Feb 18, 2021 |
| Instrument | 2021000223923 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | NOT AVAILABLE, FNTG LENDERS DIRECT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12972 CHARLOMA DR, TUSTIN, CA 92780-2849 |
| Document Number | 0000223924 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021000223924 |
| Name | INTELLILOAN INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.62% |
| Index | 1-Month LIBOR |
| Max Rate | 7.62% |
The 2025 property tax bill for 12972 Charloma Dr was $1,486, up 4.9% from the year before.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Unified School District | Tustin Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $86,916 (+2%) Land $31,601 Building $55,315 | |
| 2025 | $1,486.00 (+4.94%) | $85,212 Land $30,981 Building $54,231 |
| 2024 | $1,416.00 (+3.43%) | |
| 2023 | $1,369.00 (+2.62%) | $81,904 Land $29,778 Building $52,126 |
| 2022 | $1,334.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12972 Charloma Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes |
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.
The area around 12972 Charloma Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF TUSTIN serves 65,143 people · EPA ID CA3010046 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 537 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cityside Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
May also be available: Cox Communications, GeoLinks, T-Mobile.
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