18282 Saddle Crst, Silverado, CA 92676 Property Records

Orange County property record for 18282 Saddle Crst, Silverado, CA 92676

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,929 sqft · built 2023
Lot Size	0.416 acres (18,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,741,000 (Nov 2023)
Tax Bill	$23,917 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`858-051-11`

Property Details

APN / Parcel Number

Primary APN	`858-051-11`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,929 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	18,104 sqft (0.416 acres)
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	18282 SADDLE CRST
City	SILVERADO
State	CA
Zip	92676-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 17388 BLK LOT 3
Legal Subdivision	TRACT NO 17388
Legal Tract	17388
Legal Lot Number	3
Jurisdiction	ORANGE CA
Township / Civil Division	SILVERADO
Census Block Group	1
Census Block	1029
Census Tract	32041

Owner

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	18282 SADDLE CRST, SILVERADO, CA 92676-9667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 9, 2023	Grant Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 9, 2023	Intrafamily Transfer, Transfer NOT AVAILABLE, THE ESCROW SPECIALISTS INC
Nov 9, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO HSD
Dec 1, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Prior Sale	Dec 1, 2021 · Amount on Record
Deed Document Number	2023273886
Prior Transfer Date	Feb 15, 2023
Prior Transfer Doc	0000273885
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667

Mortgage

Document Number	0000011865
Date	Jan 16, 2026
Instrument	2026000011865

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Feb 1, 2020
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	SOFR Average 30-Day
Max Rate	10.1%

November 2023: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 9, 2023
Property Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667
Document Number	0000273886
Map Reference	MB 982 PG 31-45
Instrument Date	Aug 11, 2023
Instrument	2023000273886
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667

Mortgage

Document Number	0000273887
Date	Nov 9, 2023
Instrument	2023000273887

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 9, 2023
Property Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667
Document Number	0000273884
Map Reference	MB 982 PG 31-45
Instrument Date	May 15, 2023
Instrument	2023000273884
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	NOT AVAILABLE, THE ESCROW SPECIALISTS INC

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	18282 SADDLE CRST, SILVERADO, CA 92676-9667

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 9, 2023
Property Address	18282 SADDLE CRST, SILVERADO, CA 92676-9667
Document Number	0000273885
Map Reference	MB 982 PG 31-45
Instrument Date	Feb 15, 2023
Instrument	2023000273885
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO HSD

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	18282 SADDLE CRST, SILVERADO, CA 92676-9667

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 1, 2021
Property Address	SILVERADO, CA 92676
Document Number	0000727624
Instrument Date	Nov 30, 2021
Instrument	2021000727624
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19540 JAMBOREE RD STE 300, 300, IRVINE, CA 92612-8452
Investor	Possibly a Property Investor

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	Saddleback Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,391,660 (+2.42%) Land $904,912 Building $1,486,748
2025	$23,917.00 (+152.29%) Homeowner's exemption	$2,335,067 (+152.96%) Land $887,168 Building $1,447,899
2023	$9,480.00 (+1.8%)	$923,100 Land $923,100
2022	$9,312.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1994–2010)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 3 claims

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	Extreme above 97.9% of the US · above 88% of California
Wildfire Likelihood	3% 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.

Drinking Water

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

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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