Orange County property record for 13431 Montecito, Tustin, CA 92782
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,007 sqft · built 1989 |
| Lot Size | 0.088 acres (3,825 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,655 (2025) |
| Deeds & Mortgages | Jan 2020 Reverse Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 500-271-59 |
| Primary APN | 500-271-59 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,007 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 3,825 sqft (0.088 acres) |
| Garage Area | 454 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 13431 MONTECITO |
|---|---|
| City | TUSTIN |
| State | CA |
| Zip | 92782-8801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 13080 BLK LOT 94 |
| Legal Tract | 13080 |
| Legal Lot Number | 94 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | IRVINE-LAKE FOREST |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 52524 |
Source: Orange County assessment roll, APN 500-271-59, as of August 4, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 13431 MONTECITO, TUSTIN, CA 92782-8801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| Jan 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Jun 21, 2017 | Intrafamily Transfer, Transfer · Reverse Mortgage SYNERGY ONE LENDING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jun 14, 2017 |
| Transfer Doc | 0000254837 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 13431 MONTECITO, TUSTIN, CA 92782-8801 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043372 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 2020000043372 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.42% |
| Type Change Date | Feb 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 13431 MONTECITO, TUSTIN, CA 92782-8801 |
| Document Number | 0000043373 |
| Instrument Date | Jan 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 13431 MONTECITO TUSTIN CA 927828801, TUSTIN, CA 92782-8801 |
| Document Number | 0000043373 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 43373 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.42% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jun 21, 2017 |
| Property Address | 13431 MONTECITO, TUSTIN, CA 92782-8801 |
| Document Number | 0000254837 |
| Map Reference | MB 599 PG 36-40 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 2017000254837 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | FIDELITY NATIONAL TITLE GROU |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 13431 MONTECITO, TUSTIN, CA 92782-8801 |
| Document Number | 0000254838 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | 2017000254838 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.35% |
| Type Change Date | Jul 01, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
Source: Orange County assessment roll as of August 4, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Tustin City |
| Unified School District | Tustin Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $631,632 (+2%) Land $335,793 Building $295,839 | |
| 2025 | $6,655.00 (+7.25%) Homeowner's exemption | $619,248 (+4.04%) Land $329,209 Building $290,039 |
| 2023 | $6,205.00 (-15.61%) Homeowner's exemption | $595,202 Land $316,425 Building $278,777 |
| 2022 | $7,353.00 |
Source: FEMA National Flood Hazard Layer, Orange County (06059C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060590525241, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, 660 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: California Internet, Cityside Networks, Google Fiber, Spectrum.
Source: EPA Safe Drinking Water Information System, water system CA3010092, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | IRVINE RANCH WATER DISTRICT serves 450,323 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2023–2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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