2 High Bluff, Laguna Niguel, CA 92677 Property Records

Orange County property record for 2 High Bluff, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,866 sqft · built 1994
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Trust Names on File
Last Sale	$2,779,000 (Aug 2026)
Tax Bill	$14,082 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`672-571-15`

Property Details

APN / Parcel Number

Primary APN	`672-571-15`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,866 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	9,800 sqft (0.225 acres)
Garage Area	607 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	2 HIGH BLF
City	LAGUNA NIGUEL
State	CA
Zip	92677-4257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13929 BLK LOT 67
Legal Subdivision	TRACT NO 13929
Legal Tract	13929
Legal Lot Number	67
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3008
Census Tract	42332

Owner

2 High Bluff is owner-occupied and held in a trust since August 2026.

Source: Orange County records, as of August 11, 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 Trust Names on File
Mailing Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Grant Deed, Transfer · Conventional Mortgage FUNDLOANS
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Oct 19, 2023	Deed of Trust, Mortgage · Reverse Mortgage NATIONWIDE EQUITIES CORP
Oct 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Aug 25, 2020	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 30, 2019	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Aug 30, 2019 · Amount on File
Deed Document Number	2026219393
Prior Transfer Date	Jul 13, 2020
Prior Transfer Doc	0000433343
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 3, 2026
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Document Number	0000219393
Instrument Date	Jul 8, 2026
Instrument	2026219393
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308,746.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257

Mortgage

Document Number	0000219394,
Date	Aug 3, 2026
Instrument	2026219394

Lender

Name	FUNDLOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	May 1, 2026
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Document Number	0000126908
Instrument Date	Apr 25, 2026
Instrument	2026126908
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257

Mortgage

Document Number	0000126908,
Date	May 1, 2026
Instrument	2026126908

Lender

Name	HOMESIDE FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.38%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	NOT AVAILABLE, FNAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257

Mortgage

Document Number	0000255290
Date	Oct 19, 2023
Instrument	2023000255290

Lender

Name	NATIONWIDE EQUITIES CORP
Type	Mortgage Company
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HIGH BLF, LAGUNA BEACH, CA 92677-4257

Mortgage

Document Number	0000346757
Date	Oct 27, 2022
Instrument	2022000346757

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	926 Months
Due	Dec 7, 2099

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Aug 25, 2020
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Document Number	0000433343
Map Reference	MB 663 PG 26-33
Instrument Date	Jul 13, 2020
Instrument	2020000433343
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FNC TITLE OF CALIFORNIA

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	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257

Mortgage

Document Number	0000433344
Date	Aug 25, 2020
Instrument	2020000433344

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	952 Months
Due	Dec 7, 2099

Interest

Rate Type	Adjustable Rate
Rate	3.19%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 30, 2019
Property Address	2 HIGH BLF, LAGUNA NIGUEL, CA 92677-4257
Document Number	0000326608
Instrument Date	Aug 14, 2019
Instrument	326608
Transaction Type	Transfer
Record Updated	Sep 16, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$1,402.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2901 W COAST HWY #200 NEWPORT BEACH CA 926634045, 200, NEWPORT BEACH, CA 92663-4045

Tax Assessment & Valuation

The 2025 property tax bill for 2 High Bluff was $14,082, up 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,422,285 (+2%) Land $1,025,864 Building $396,421
2025	$14,082.00 (+1.69%)	$1,394,398 Land $1,005,749 Building $388,649
2024	$13,848.00 (+2.17%)
2023	$13,554.00 (+1.94%)	$1,340,252 Land $966,694 Building $373,558
2022	$13,296.00

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

FEMA maps place 2 High Bluff in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	2 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · rainfall accumulation

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 2 High Bluff 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 97% of the US · lower than 97.8% 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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

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