18 Verna, Lake Forest, CA 92630 Property Records

Orange County property record for 18 Verna, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,822 sqft · built 2018
Lot Size	0.114 acres (4,986 sqft)
Owner	Individual Name on File
Last Sale	$1,388,000 (Aug 2018)
Tax Bill	$16,343 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`610-651-53`

Property Details

APN / Parcel Number

Primary APN	`610-651-53`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Building Area	2,822 sqft Living Area

Exterior

Year Built	Built 2018
Lot Area	4,986 sqft (0.114 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	18 VERNA
City	LAKE FOREST
State	CA
Zip	92630-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 17540 BLK LOT 53
Legal Tract	17540
Legal Lot Number	53
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2005
Census Tract	52422

Owner

18 Verna is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	18 VERNA, LAKE FOREST, CA 92630-1462
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Aug 14, 2018	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on File
Deed Sale	Aug 14, 2018 · Amount on File
Deed Document Number	2018000295874
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18 VERNA, LAKE FOREST, CA 92630-1462
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 VERNA, LAKE FOREST, CA 92630-1462

Mortgage

Document Number	0000232688
Date	Sep 25, 2023
Instrument	2023000232688

Lender

Name	FIRST BANK
Type	Bank
Address	ARCADIA, CA 91007

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18 VERNA, LAKE FOREST, CA 92630-1462
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 VERNA, LAKE FOREST, CA 92630-1462

Mortgage

Document Number	0000168100
Date	Mar 10, 2021
Instrument	2021000168100

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18 VERNA, LAKE FOREST, CA 92630-1462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000280174
Date	Jun 17, 2020
Instrument	2020000280174

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18 VERNA, LAKE FOREST, CA 92630-1462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417584
Date	Oct 24, 2019
Instrument	2019000417584

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 14, 2018
Property Address	18 VERNA, LAKE FOREST, CA 92630-1462
Document Number	0000295874
Map Reference	MB958 PG41-45
Instrument Date	Jul 23, 2018
Instrument	2018000295874
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WESTMINSTER TITLE CO INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	18 VERNA, LAKE FOREST, CA 92630-1462

Mortgage

Document Number	0000295875
Date	Aug 14, 2018
Instrument	2018000295875

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 18 Verna was $16,343.

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	$16,343.00	$1,548,153 Land $865,840 Building $682,313
2023	$15,670.00 (+1.81%)	$1,488,038 Land $832,219 Building $655,819
2022	$15,391.00

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

Flood

FEMA maps place 18 Verna in Zone X, an area of minimal flood risk.

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

Wildfire risk around 18 Verna 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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