21991 Cayuga Ln, Lake Forest, CA 92630 Property Records

Orange County property record for 21991 Cayuga Ln, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,668 sqft · built 1976
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Trust Names on File
Last Sale	$540,000 (Oct 2010)
Tax Bill	$7,201 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`614-196-12`

Property Details

APN / Parcel Number

Primary APN	`614-196-12`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 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	Tile
Lot Area	3,450 sqft (0.079 acres)
View / Lot	Good
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21991 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 443
Legal Subdivision	TRACT NO 7197
Legal Tract	7197
Legal Lot Number	443
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	4
Census Block	4000
Census Tract	52408

Owner

21991 Cayuga Ln is owner-occupied and held in a trust since September 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Sep 10, 2020	Quit Claim Deed, Transfer WFG TITLE COMPANY/CA, WFG TITLE CO/CA
Jun 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2010 · Amount on File
Deed Sale	Oct 14, 2010 · Amount on File
Deed Document Number	2010537159
Last Transfer Date	Sep 4, 2020
Transfer Doc	0000481728
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304

Mortgage

Document Number	0000140875
Date	Jun 14, 2023
Instrument	2023000140875

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 10, 2020
Property Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304
Document Number	0000481726
Map Reference	MB 291 PG 4-15
Instrument Date	Sep 4, 2020
Instrument	2020000481726
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WFG TITLE COMPANY OF CA

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	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304

Mortgage

Document Number	0000481727
Date	Sep 10, 2020
Instrument	2020000481727

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 10, 2020
Property Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304
Document Number	0000481728
Instrument Date	Sep 4, 2020
Instrument	481728
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	WFG TITLE COMPANY/CA, WFG TITLE CO/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	21991 CAYUGA LN LAKE FOREST CA 926302304, LAKE FOREST, CA 92630-2304

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 26, 2020
Property Address	21991 CAYUGA LN, LAKE FOREST, CA 92630-2304
Document Number	0000299590
Instrument Date	Jun 12, 2020
Instrument	299590
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	21991 CAYUGA LN LAKE FOREST CA 926302304, LAKE FOREST, CA 92630-2304

Tax Assessment & Valuation

The 2025 property tax bill for 21991 Cayuga Ln was $7,201 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		$705,666 (+2%) Land $550,843 Building $154,823
2025	$7,201.00 Homeowner's exemption	$691,830 Land $540,042 Building $151,788
2023	$6,902.00 (+1.83%) Homeowner's exemption	$664,966 Land $519,071 Building $145,895
2022	$6,778.00

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

Flood

FEMA maps place 21991 Cayuga Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 21991 Cayuga Ln is low, with less than 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 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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