16 Penumbra, Lake Forest, CA 92630 Property Records

Orange County property record for 16 Penumbra, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,907 sqft · built 2017
Lot Size	0.103 acres (4,500 sqft)
Owner	Trust Name on File
Last Sale	$1,420,000 (Apr 2021)
Tax Bill	$16,216 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`610-651-30`

Property Details

APN / Parcel Number

Primary APN	`610-651-30`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Building Area	2,907 sqft Living Area

Exterior

Year Built	Built 2017
Lot Area	4,500 sqft (0.103 acres)
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	16 PENUMBRA
City	LAKE FOREST
State	CA
Zip	92630-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 17540 BLK LOT 30
Legal Tract	17540
Legal Lot Number	30
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2009
Census Tract	52422

Owner

16 Penumbra is owner-occupied and held in a trust since April 2021.

Source: Orange County records, as of November 17, 2025

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	16 PENUMBRA, LAKE FOREST, CA 92630-1459
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Apr 21, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 30, 2018	Deed of Trust, Mortgage · ARM HSBC BANK USA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 21, 2021 · Amount on File
Deed Sale	Apr 21, 2021 · Amount on File
Deed Document Number	2021000269133
Record Updated	Jun 8, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 21, 2021
Property Address	16 PENUMBRA, LAKE FOREST, CA 92630-1459
Document Number	0000269133
Map Reference	MB 958 PG 41-45
Instrument Date	Apr 14, 2021
Instrument	2021000269133
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	16 PENUMBRA, LAKE FOREST, CA 92630-1459

Mortgage

Document Number	0000269134
Date	Apr 21, 2021
Instrument	2021000269134

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	16 PENUMBRA, LAKE FOREST, CA 92630-1459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000450083
Date	Nov 30, 2018
Instrument	2018000450083

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.49%
Max Rate At Change	6.49%
Index	1-Year LIBOR
Max Rate	9.49%

Tax Assessment & Valuation

The 2025 property tax bill for 16 Penumbra was $16,216.

Source: Orange County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Lake Forest City
Unified School District	Saddleback Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$16,216.00	$1,537,053 Land $840,217 Building $696,836
2023	$15,549.00 (+1.82%)	$1,477,368 Land $807,590 Building $669,778
2022	$15,271.00

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

Flood

FEMA maps place 16 Penumbra in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 27, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 16 Penumbra is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.3% 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	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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

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