20897 Serrano Creek Rd, #89, Lake Forest, CA 92630 Property Records

Orange County property record for 20897 Serrano Creek Rd, #89, Lake Forest, CA 92630

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 884 sqft · built 1982
Owner	Individual Name on Record
Last Sale	$520,000 (Jun 2026)
Tax Bill	$5,865 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`939-940-89`

Property Details

APN / Parcel Number

Primary APN	`939-940-89`
Alternative APN	`610-151-25`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20897 SERRANO CREEK RD, 89
City	LAKE FOREST
State	CA
Zip	92630-6449
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	N TR 11397 BLK LOT 1 UN 89 TR 11397 LOT 1 UNIT 89 OF PROJECT LOCATED ON AP
Legal Subdivision	SERRANO CREEK VILLAS
Legal Tract	11397
Legal Lot Number	1
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	3
Census Block	3001
Census Tract	52425

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	Individual Name on Record
Mailing Address	20897 SERRANO CREEK RD, 89, LAKE FOREST, CA 92630-6449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FEDERAL CREDIT UNION
Feb 6, 2023	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jan 20, 2023	Grant Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Jan 26, 2022	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Feb 6, 2023 · Amount on Record
Deed Document Number	2026185840
Prior Transfer Date	Mar 28, 2001
Prior Transfer Doc	0000190869
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 29, 2026
Property Address	20897 SERRANO CREEK RD, 89, LAKE FOREST, CA 92630-6449
Document Number	0000185840
Instrument Date	Jun 18, 2026
Instrument	2026185840
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,772.00
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
Address	20897 SERRANO CREEK RD, 89, LAKE FOREST, CA 92630-6449
Investor	Possibly a Property Investor

Mortgage

Document Number	0000185841,
Date	Jun 29, 2026
Instrument	2026185841

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 6, 2023
Property Address	20897 SERRANO CREEK RD # 89, 89, LAKE FOREST, CA 92630-6449
Document Number	0000025819
Map Reference	MB 502 PG 44-47
Instrument Date	Feb 1, 2023
Instrument	2023000025819
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	7300 EDNA AVE, LAS VEGAS, NV 89117-2902

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jan 20, 2023
Property Address	20897 SERRANO CREEK RD # 89, 89, LAKE FOREST, CA 92630-6449
Document Number	0000015046
Map Reference	MB 502 PG 44-47
Instrument Date	Jan 20, 2023
Instrument	2023000015046
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6987, LAGUNA NIGUEL, CA 92607-6987

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20897 SERRANO CREEK RD # 89, 89, LAKE FOREST, CA 92630-6449
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6987, LAGUNA BEACH, CA 92607-6987

Mortgage

Document Number	0000238221
Date	Jul 6, 2022
Instrument	2022000238221

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jan 26, 2022
Property Address	20897 SERRANO CREEK RD # 89, 89, LAKE FOREST, CA 92630-6449
Document Number	0000035245
Map Reference	MB 502 PG 44-47
Instrument Date	Jan 18, 2022
Instrument	2022000035245
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	PO BOX 6987, LAGUNA NIGUEL, CA 92607-6987

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		$567,746 (+2%) Land $494,627 Building $73,119
2025	$5,865.00 (+1.84%)	$556,614 (+36.43%) Land $484,928 Building $71,686
2024	$5,759.00 (+34.27%)
2023	$4,289.00 (+22.05%)	$408,000 Land $342,129 Building $65,871
2022	$3,514.00

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	1 in force
Nearby Flood Claims	2 (1983–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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	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 441 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, GeoLinks, T-Mobile.

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