22161 Shade Tree Ln, Lake Forest, CA 92630 Property Records

Orange County property record for 22161 Shade Tree Ln, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,912 sqft · built 1976
Lot Size	0.164 acres (7,140 sqft)
Owner	Trust Name on File
Tax Bill	$2,211 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`614-412-32`

Property Details

APN / Parcel Number

Primary APN	`614-412-32`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,912 sqft Living Area
Gross Area	3,564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Tudor
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	7,140 sqft (0.164 acres)
View / Lot	Good
Garage Area	652 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22161 SHADE TREE LN
City	LAKE FOREST
State	CA
Zip	92630-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 7708 BLK LOT 13
Legal Tract	7708
Legal Lot Number	13
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2011
Census Tract	52415

Owner

22161 Shade Tree Ln is owner-occupied and held in a trust since February 2018.

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

Owner of Record	Trust Name on File
Mailing Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320
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
Sep 6, 2022	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Nov 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANC ONE MORTGAGE CORP
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 8, 2018
Transfer Doc	0000054857
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320

Mortgage

Document Number	0000298736
Date	Sep 6, 2022
Instrument	2022000298736

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	890 Months
Due	Nov 4, 2096

Interest

Rate Type	Adjustable Rate
Rate	4.83%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.83%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000495456
Date	Nov 15, 2017
Instrument	2017000495456

Lender

Name	BANC ONE MORTGAGE CORP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279317
Date	Jul 31, 2018
Instrument	2018000279317

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 27, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 15, 2018
Property Address	22161 SHADE TREE LN, LAKE FOREST, CA 92630-3320
Document Number	0000054857
Instrument Date	Feb 8, 2018
Instrument	54857
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	22161 SHADE TREE LN LAKE FOREST CA 926303320, LAKE FOREST, CA 92630-3320

Tax Assessment & Valuation

The 2025 property tax bill for 22161 Shade Tree Ln was $2,211 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		$222,587 (+2%) Land $80,108 Building $142,479
2025	$2,211.00 Homeowner's exemption	$218,223 Land $78,537 Building $139,686
2023	$2,117.00 (+1.88%) Homeowner's exemption	$209,750 Land $75,487 Building $134,263
2022	$2,078.00

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

Flood

FEMA maps place 22161 Shade Tree Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 22161 Shade Tree Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 691 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cityside Fiber, GeoLinks.

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