21975 Cayuga Ln, Lake Forest, CA 92630 Property Records

Orange County property record for 21975 Cayuga Ln, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,388 sqft · built 1976
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$1,565,000 (Mar 2024)
Tax Bill	$16,789 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`614-196-10`

Property Details

APN / Parcel Number

Primary APN	`614-196-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,388 sqft Living Area
Gross Area	2,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	3,600 sqft (0.083 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21975 CAYUGA LN
City	LAKE FOREST
State	CA
Zip	92630-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 7197 BLK LOT 445
Legal Subdivision	TRACT NO. 7197
Legal Tract	7197
Legal Lot Number	445
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	4
Census Block	4000
Census Tract	52408

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	21975 CAYUGA LN, LAKE FOREST, CA 92630-2304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Grant Deed, Transfer · Conventional Mortgage CTBC BANK CORP USA
Apr 8, 2022	Grant Deed, Transfer · Commercial Mortgage ISE & BELLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Apr 8, 2022 · Amount on Record
Deed Document Number	202475640
Prior Transfer Date	May 11, 2005
Prior Transfer Doc	0000403039
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 27, 2024
Property Address	21975 CAYUGA LN, LAKE FOREST, CA 92630-2304
Document Number	0000075640
Map Reference	MB 291 PG 4-15
Instrument Date	Mar 22, 2024
Instrument	2024000075640
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	FIDELITY NATIONAL TITLE, 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	Tenants in Common
Address	21975 CAYUGA LN, LAKE FOREST, CA 92630-2304

Mortgage

Document Number	0000075641
Date	Mar 27, 2024
Instrument	2024000075641

Lender

Name	CTBC BANK CORP USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	12.5%
Max Rate	13.5%

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 8, 2022
Property Address	21975 CAYUGA LN, LAKE FOREST, CA 92630-2304
Document Number	0000135643
Map Reference	MB 291 PG 4-15
Instrument Date	Mar 28, 2022
Instrument	2022000135643
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	CALIFORNIA TITLE COMPANY

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	Joint Tenants
Address	21841 HURON LN, LAKE FOREST, CA 92630-1904

Mortgage

Document Number	0000135644
Date	Apr 8, 2022
Instrument	2022000135644

Lender

Name	ISE & BELLE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,628,226 (+2%) Land $1,395,070 Building $233,156
2025	$16,789.00 (+4.56%)	$1,596,300 (+4.33%) Land $1,367,715 Building $228,585
2023	$16,057.00 (+255.32%)	$1,530,000 Land $1,327,969 Building $202,031
2022	$4,519.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2005–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2010 · 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 99.1% of the US · lower than 99.2% 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 784 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Verizon.

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