186 S Ter Ridge, Orange, CA 92869 Property Records

Orange County property record for 186 S Ter Ridge, Orange, CA 92869

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,814 sqft · built 1990
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on File
Last Sale	$762,500 (Dec 2013)
Tax Bill	$10,306 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`393-514-29`

Property Details

APN / Parcel Number

Primary APN	`393-514-29`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,814 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	6,050 sqft (0.139 acres)
Garage Area	613 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	186 S TERRACE RDG
City	ORANGE
State	CA
Zip	92869-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12970 BLK LOT 81
Legal Subdivision	TRACT NO 12970
Legal Tract	12970
Legal Lot Number	81
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	5
Census Block	5000
Census Tract	75604

Owner

186 S Ter Ridge is owned and occupied by two individuals who bought it in December 2013.

Source: Orange County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	186 S TERRACE RDG, ORANGE, CA 92869-2417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 6, 2025	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Oct 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage LOANDEPOT.COM LLC
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2013 · Amount on File
Deed Sale	Dec 9, 2013 · Amount on File
Prior Sale	Mar 21, 1995 · Amount on File
Deed Document Number	2013662538
Prior Transfer Date	Nov 15, 2004
Prior Transfer Doc	0001056330
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	186 S TERRACE RDG, ORANGE, CA 92869-2417
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 S TERRACE RDG, ORANGE, CA 92869-2417

Mortgage

Document Number	0000272842
Date	Oct 6, 2025
Instrument	2025000272842

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	186 S TERRACE RDG, ORANGE, CA 92869-2417
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 S TERRACE RDG, ORANGE, CA 92869-2417

Mortgage

Document Number	0000247148
Date	Oct 10, 2023
Instrument	2023000247148

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 27, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	186 S TERRACE RDG, ORANGE, CA 92869-2417
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 S TERRACE RDG, ORANGE, CA 92869-2417

Mortgage

Document Number	0000126083
Date	Mar 31, 2022
Instrument	2022000126083

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	186 S TERRACE RDG, ORANGE, CA 92869-2417
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 S TERRACE RDG, ORANGE, CA 92869-2417

Mortgage

Document Number	0000256372
Date	Apr 16, 2021
Instrument	2021000256372

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 186 S Ter Ridge was $10,306.

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$953,408 (+2%) Land $595,320 Building $358,088
2025	$10,306.00	$934,714 Land $583,647 Building $351,067
2023	$9,861.00 (+1.95%)	$898,419 Land $560,983 Building $337,436
2022	$9,672.00

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

Flood

FEMA maps place 186 S Ter Ridge in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1995–1998)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

Wildfire risk around 186 S Ter Ridge is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	CITY OF ORANGE serves 120,770 people · EPA ID CA3010027
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cosmo Network Solutions Fixed Wireless	250 / 100

May also be available: AT&T, Cityside Fiber, Cox Communications, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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