Orange County property record for 186 23rd St, Costa Mesa, CA 92627
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,618 sqft · built 2005 |
| Lot Size | 0.093 acres (4,045 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Sep 2012) |
| Tax Bill | $10,807 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 439-263-34 |
| Primary APN | 439-263-34 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,618 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 4,045 sqft (0.093 acres) |
| Garage Area | 449 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 186 23RD ST |
|---|---|
| City | COSTA MESA |
| State | CA |
| Zip | 92627-1754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 16600 BLK LOT 20 |
| Legal Subdivision | HALF MOON LANE |
| Legal Tract | 16600 |
| Legal Lot Number | 20 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | CENTRAL COAST |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 63201 |
186 23rd St is owned and occupied by two individuals who bought it in September 2012.
Source: Orange County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| 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.
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THAYER FINANCIAL CORPORATION |
| Jul 17, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2012 · Amount on File |
| Deed Sale | Sep 14, 2012 · Amount on File |
| Prior Sale | Apr 23, 2009 · Amount on File |
| Deed Document Number | 2012540244 |
| Prior Transfer Date | Dec 1, 2009 |
| Prior Transfer Doc | 0000046439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| Document Number | 0000198838 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022000198838 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| Document Number | 0000592404 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 2020000592404 |
| Name | THAYER FINANCIAL CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | NORCO, CA 92860 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 186 23RD ST, COSTA MESA, CA 92627-1754 |
| Document Number | 0000302700 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 186 23RD ST COSTA MESA CA 926271754, COSTA MESA, CA 92627-1754 |
| Document Number | 0000302700 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 302700 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 186 23rd St was $10,807 with a homeowner's exemption, up 1.9% from the year before.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Costa Mesa City |
| Unified School District | Newport-Mesa Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $973,438 (+2%) Land $517,593 Building $455,845 | |
| 2025 | $10,807.00 (+1.86%) Homeowner's exemption | $954,351 Land $507,444 Building $446,907 |
| 2024 | $10,610.00 (+2.73%) | |
| 2023 | $10,328.00 (+1.99%) Homeowner's exemption | $917,294 Land $487,740 Building $429,554 |
| 2022 | $10,126.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 186 23rd St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 3 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.
The area around 186 23rd St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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 889 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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