21791 Midcrest Dr, Lake Forest, CA 92630 Property Records

Orange County property record for 21791 Midcrest Dr, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 1986
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,935 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`613-392-08`

Property Details

APN / Parcel Number

Primary APN	`613-392-08`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,662 sqft Living Area
Gross Area	3,311 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Traditional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	10,400 sqft (0.239 acres)
View / Lot	Good
Garage Area	649 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21791 MIDCREST DR
City	EL TORO
State	CA
Zip	92630-6586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC
Legal Description	N TR 11234 BLK LOT 30
Legal Subdivision	TRACT NO 11234
Legal Tract	11234
Legal Lot Number	30
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2002
Census Tract	52424

Owner

21791 Midcrest Dr is owned and occupied by two individuals who acquired it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	21791 MIDCREST DR, LAKE FOREST, CA 92630-6586
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
Apr 6, 2017	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC
Jan 29, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 7, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 9, 2020
Transfer Doc	0000261157
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	21791 MIDCREST DR, LAKE FOREST, CA 92630-6586
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138946
Date	Apr 6, 2017
Instrument	2017000138946

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jul 1, 2046

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	21791 MIDCREST DR, LAKE FOREST, CA 92630-6586
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21791 MIDCREST DR, LAKE FOREST, CA 92630-6586

Mortgage

Document Number	0000067056
Date	Jan 29, 2021
Instrument	2021000067056

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	21791 MIDCREST DR, LAKE FOREST, CA 92630-6586
Document Number	0000168500
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	WFG TITLE COMPANY/CA, WFG TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21791 MIDCREST DR LAKE FOREST CA 926306586, LAKE FOREST, CA 92630-6586

Mortgage

Document Number	0000168500
Date	Apr 14, 2020
Instrument	168500

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 21791 Midcrest Dr was $4,935 with a homeowner's exemption.

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		$491,074 (+2%) Land $163,559 Building $327,515
2025	$4,935.00 Homeowner's exemption	$481,446 Land $160,352 Building $321,094
2023	$4,729.00 (+1.83%) Homeowner's exemption	$462,751 Land $154,124 Building $308,627
2022	$4,644.00

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

Flood

FEMA maps place 21791 Midcrest Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 21791 Midcrest Dr 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	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 530 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

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

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