Orange County property record for 2 Charmony, Laguna Niguel, CA 92677
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,033 sqft · built 1988 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Trust Name on File |
| Last Sale | $800,000 (Mar 2003) |
| Tax Bill | $11,733 (2025) |
| Deeds & Mortgages | Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 659-291-18 |
| Primary APN | 659-291-18 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,033 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Area | 605 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 2 CHARMONY |
|---|---|
| City | LAGUNA NIGUEL |
| State | CA |
| Zip | 92677-2900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 13120 BLK LOT 18 |
| Legal Tract | 13120 |
| Legal Lot Number | 18 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 42317 |
2 Charmony is owner-occupied and held in a trust since June 2011.
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 | Trust Name on File |
|---|---|
| Mailing Address | 2 CHARMONY, LAGUNA NIGUEL, CA 92677-2900 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2003 · Amount on File |
| Deed Sale | Mar 10, 2003 · Amount on File |
| Deed Document Number | 2003261044 |
| Last Transfer Date | Jun 29, 2011 |
| Transfer Doc | 0000341983 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 2 CHARMONY, LAGUNA NIGUEL, CA 92677-2900 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000061970 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 2019000061970 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2 Charmony was $11,733 with a homeowner's exemption.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Niguel City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,191,817 (+2%) Land $762,781 Building $429,036 | |
| 2025 | $11,733.00 Homeowner's exemption | $1,168,449 Land $747,825 Building $420,624 |
| 2023 | $11,291.00 (+1.96%) Homeowner's exemption | $1,123,078 Land $718,786 Building $404,292 |
| 2022 | $11,074.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2 Charmony 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 | 1 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.
Wildfire risk around 2 Charmony is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.4% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 | MOULTON NIGUEL WATER DISTRICT serves 168,315 people · EPA ID CA3010073 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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