Orange County property record for 17971 Merlin St, Silverado, CA 92676
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 7,268 sqft · built 2005 |
| Lot Size | 0.372 acres (16,200 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $25,142 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 866-091-11 |
| Primary APN | 866-091-11 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 7,268 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 16,200 sqft (0.372 acres) |
| Garage Area | 1,029 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 17971 MERLIN ST |
|---|---|
| City | SILVERADO |
| State | CA |
| Zip | 92676-9656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 12365 BLK LOT 8 |
| Legal Subdivision | TRACT NO 12365 |
| Legal Tract | 12365 |
| Legal Lot Number | 8 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SILVERADO |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 32011 |
Source: Orange County records, as of August 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 17971 MERLIN ST, SILVERADO, CA 92676-9656 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST |
| Nov 21, 2019 | Deed of Trust, Mortgage BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 5, 2004 |
| Transfer Doc | 0000997942 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 17971 MERLIN ST, SILVERADO, CA 92676-9656 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 211 S MAIN ST A, A, ORANGE, CA 92868-3840 |
| Document Number | 0000391808 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021000391808 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 17971 MERLIN ST, SILVERADO, CA 92676-9656 |
| Document Number | 0000507316 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 211 S MAIN ST #A ORANGE CA 928683840, A, ORANGE, CA 92868-3840 |
| Document Number | 0000507316 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 507316 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Unified School District | Saddleback Valley Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,503,505 (+2%) Land $686,586 Building $1,816,919 | |
| 2025 | $25,142.00 (+7.2%) Homeowner's exemption | $2,454,417 (+6.91%) Land $673,123 Building $1,781,294 |
| 2023 | $23,454.00 (+1.72%) Homeowner's exemption | $2,295,744 Land $629,558 Building $1,666,186 |
| 2022 | $23,058.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 37 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 24 (1980–2021) |
| Claims Outside the SFHA | 13 of 24 |
| Most Recent Claim | May 2021 |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 97.3% of the US · above 86% of California |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 | TRABUCO CANYON WATER DISTRICT serves 13,659 people · EPA ID CA3010094 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2023 |
| Lead | 4 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
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