20 Esternay Dr, Foothill Ranch, CA 92610 Property Records

Orange County property record for 20 Esternay Dr, Foothill Ranch, CA 92610

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,154 sqft · built 1995
Lot Size	0.136 acres (5,940 sqft)
Owner	2 Company Names on Record
Last Sale	$1,310,000 (Jul 2022)
Tax Bill	$14,235 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`601-292-08`

Property Details

APN / Parcel Number

Primary APN	`601-292-08`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,154 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	5,940 sqft (0.136 acres)
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	20 ESTERNAY DR
City	LAKE FOREST
State	CA
Zip	92610-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13770 BLK LOT 19
Legal Subdivision	FOOTHILL RANCH CRESTVIEW
Legal Tract	13770
Legal Lot Number	19
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	1
Census Block	1022
Census Tract	52427

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 15, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CFBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Apr 29, 2014 · Amount on Record
Deed Document Number	2022233977
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 1, 2022
Property Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Document Number	0000233977
Map Reference	MB 658 PG 5-9
Instrument Date	Jun 3, 2022
Instrument	2022000233977
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATL TTL ORANGE CNT

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	Family Trust
Address	20 ESTERNAY DR, LAKE FOREST, CA 92610-1936

Mortgage

Document Number	0000233978
Date	Jul 1, 2022
Instrument	2022000233978

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936

Mortgage

Document Number	0000172533
Date	Mar 12, 2021
Instrument	2021000172533

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220996
Date	May 15, 2020
Instrument	2020000220996

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Document Number	0000034393
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 ESTERNAY DR LAKE FOREST CA 926101936, LAKE FOREST, CA 92610-1936

Mortgage

Document Number	0000034393
Date	Jan 19, 2021
Instrument	34393

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20 ESTERNAY DR, FOOTHILL RANCH, CA 92610-1936
Document Number	0000483755
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 ESTERNAY DR FOOTHILL RANCH CA 926101936, FOOTHILL RANCH, CA 92610-1936

Mortgage

Document Number	0000483755
Date	Sep 11, 2020
Instrument	483755

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,390,182 (+2%) Land $1,080,457 Building $309,725
2025	$14,235.00 (+4.32%) Homeowner's exemption	$1,362,924 (+4.04%) Land $1,059,272 Building $303,652
2023	$13,646.00 (+50.19%) Homeowner's exemption	$1,310,000 Land $1,018,138 Building $291,862
2022	$9,086.00

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

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
Nearby Flood Policies	2 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

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

Wildfire Risk	Moderate above 69% of the US · above 43% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within 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	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

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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