14972 Rancho Cir, Irvine, CA 92604 Property Records

Orange County property record for 14972 Rancho Cir, Irvine, CA 92604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1973
Lot Size	0.144 acres (6,270 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 1997)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`449-283-25`

Property Details

APN / Parcel Number

Primary APN	`449-283-25`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	6,270 sqft (0.144 acres)
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14972 RANCHO CIR
City	IRVINE
State	CA
Zip	92604-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 7304 BLK LOT 48
Legal Subdivision	GREENTREE
Legal Tract	7304
Legal Lot Number	48
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2006
Census Tract	52526

Owner

Source: Orange County records, as of May 7, 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	14972 RANCHO CIR, IRVINE, CA 92604-2722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CREDIT UNION
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Sep 14, 2020	Quit Claim Deed, Transfer OPTIONWIDE FINANCIAL CORP
Mar 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 1997 · Amount on Record
Deed Sale	Dec 2, 1997 · Amount on Record
Prior Sale	Dec 11, 1995 · Amount on Record
Deed Document Number	1997617704
Last Transfer Date	Sep 9, 2020
Transfer Doc	0000490068
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Apr 29, 2026
Property Address	14972 RANCHO CIR, IRVINE, CA 92604-2722
Document Number	0000122491
Instrument Date	Apr 14, 2026
Instrument	2026122491
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14972 RANCHO CIR, IRVINE, CA 92604-2722

Mortgage

Document Number	0000122491,
Date	Apr 29, 2026
Instrument	2026122491

Lender

Name	WESCOM CENTRAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.22%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	14972 RANCHO CIR, IRVINE, CA 92604-2722
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14972 RANCHO CIR, IRVINE, CA 92604-2722

Mortgage

Document Number	0000704638
Date	Nov 17, 2021
Instrument	2021000704638

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 14, 2020
Property Address	14972 RANCHO CIR, IRVINE, CA 92604-2722
Document Number	0000490068
Instrument Date	Sep 9, 2020
Instrument	490068
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14972 RANCHO CIR IRVINE CA 926042722, IRVINE, CA 92604-2722

Mortgage

Document Number	490069
Date	Sep 14, 2020
Instrument	490069

Lender

Name	OPTIONWIDE FINANCIAL CORP
Address	575 ANTON BLVD # 830, COSTA MESA, CA 92626-7023

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 13, 2045

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Mar 16, 2020
Property Address	14972 RANCHO CIR, IRVINE, CA 92604-2722
Document Number	0000117067
Map Reference	MB 309 PG 38-40
Instrument Date	Mar 10, 2020
Instrument	2020000117067
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14972 RANCHO CIR, IRVINE, CA 92604-2722

Mortgage

Document Number	0000117068
Date	Mar 16, 2020
Instrument	2020000117068

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2045

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	14972 RANCHO CIR, IRVINE, CA 92604-2722
Document Number	0000279267
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14972 RANCHO CIR IRVINE CA 926042722, IRVINE, CA 92604-2722

Mortgage

Document Number	0000279267
Date	Jul 6, 2017
Instrument	279267

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 6, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Irvine City
Unified School District	Irvine Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,993.00 (+2.25%)	$363,041 (+4.04%) Land $224,089 Building $138,952
2024	$3,905.00 (+2.66%)
2023	$3,804.00 (+2.07%)	$348,945 Land $215,388 Building $133,557
2022	$3,727.00

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 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

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

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	IRVINE RANCH WATER DISTRICT serves 450,323 people · EPA ID CA3010092
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) 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 743 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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