148 Main St, Ladera Ranch, CA 92694 Property Records

Orange County property record for 148 Main St, Ladera Ranch, CA 92694

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,860 sqft · built 2001
Lot Size	0.108 acres (4,717 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Mar 2003)
Tax Bill	$8,572 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`759-461-06`

Property Details

APN / Parcel Number

Primary APN	`759-461-06`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,860 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	4,717 sqft (0.108 acres)
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	148 MAIN ST
City	LADERA RANCH
State	CA
Zip	92694-0425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 15886 BLK LOT 8
Legal Subdivision	TR 15886
Legal Tract	15886
Legal Lot Number	8
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	1
Census Block	1019
Census Tract	32057

Owner

Source: Orange County records, as of August 4, 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 Record
Mailing Address	25 EDMONTON PL, ALISO VIEJO, CA 92656-6209
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLAS TITLE
Jun 2, 2020	Loan Modification, Mortgage · Conventional Mortgage FAY SVCNG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2003 · Amount on Record
Deed Sale	Mar 20, 2003 · Amount on Record
Prior Sale	Dec 19, 2001 · Amount on Record
Deed Document Number	2003302535
Last Transfer Date	Jan 6, 2023
Transfer Doc	0000004357
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Jun 29, 2026
Property Address	148 MAIN ST, LADERA RANCH, CA 92694-0425
Document Number	0000185648
Instrument Date	Jun 25, 2026
Instrument	2026185648
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATLAS TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	25 EDMONTON PL, ALISO VIEJO, CA 92656-6209

Mortgage

Document Number	0000185648,
Date	Jun 29, 2026
Instrument	2026185648

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	148 MAIN ST, MISSION VIEJO, CA 92694-0425
Document Number	0000684807
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 MAIN ST LADERA RANCH CA 926940425, LADERA RANCH, CA 92694-0425

Mortgage

Document Number	0000684807
Date	Nov 24, 2020
Instrument	684807

Lender

Name	FAY SVCNG LLC
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Nov 23, 2058

Interest

Rate Type	Fixed Rate
Rate	1.3%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$650,004 (+2%) Land $434,667 Building $215,337
2025	$8,572.00 (+3.03%)	$637,259 (+4.04%) Land $426,144 Building $211,115
2023	$8,320.00 (+1.54%)	$612,514 Land $409,596 Building $202,918
2022	$8,194.00

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

Flood

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
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 343 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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