23741 Montego Bay, Dana Point, CA 92629 Property Records

Orange County property record for 23741 Montego Bay, Dana Point, CA 92629

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,404 sqft · built 1971
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$4,200,000 (Dec 2025)
Tax Bill	$35,675 (2025)
Deeds & Mortgages	Dec 2025 Sale Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`672-131-62`

Property Details

APN / Parcel Number

Primary APN	`672-131-62`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	5,500 sqft (0.126 acres)
View / Lot	Good
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	23741 MONTEGO BAY
City	DANA POINT
State	CA
Zip	92629-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 7203 BLK LOT 62
Legal Subdivision	TRACT NO 7203
Legal Tract	7203
Legal Lot Number	62
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3000
Census Tract	42323

Owner

23741 Montego Bay is owned by two individuals who bought it in December 2025.

Source: Orange County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23911 DANZIG BAY, DANA POINT, CA 92629-4407
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
Dec 15, 2025	Grant Deed, Transfer FIRST AMERICAN TITLE
Aug 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHEELHOUSE CREDIT UNION
Jun 27, 2022	Grant Deed, Transfer · Seller Carry-Back ROBERT SHEKELL TRUST
May 7, 2021	Grant Deed, Transfer CALIFORNIA TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on File
Deed Sale	Dec 15, 2025 · Amount on File
Prior Sale	Jun 27, 2022 · Amount on File
Deed Document Number	2025346713
Prior Transfer Date	Aug 15, 1994
Prior Transfer Doc	0000561693
Record Updated	Oct 29, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 15, 2025
Property Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202
Document Number	0000346713
Map Reference	MB 282 PG 1-3
Instrument Date	Dec 11, 2025
Instrument	2025000346713
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount 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	23911 DANZIG BAY, DANA POINT, CA 92629-4407

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202

Mortgage

Document Number	0000273148
Date	Aug 9, 2022
Instrument	2022000273148

Lender

Name	WHEELHOUSE CREDIT UNION
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Sep 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	5-Year CMT
Max Rate	7.37%

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 27, 2022
Property Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202
Document Number	0000228011
Map Reference	MB 282 PG 1-3
Instrument Date	Apr 28, 2022
Instrument	2022000228011
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202

Mortgage

Document Number	0000228012
Date	Jun 27, 2022
Instrument	2022000228012

Lender

Name	ROBERT SHEKELL TRUST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	May 7, 2021
Property Address	23741 MONTEGO BAY, DANA POINT, CA 92629-4202
Document Number	0000305088
Map Reference	MB 282 PG 1-3
Instrument Date	Apr 12, 2021
Instrument	2021000305088
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount 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
Address	23792 SALVADOR BAY, DANA POINT, CA 92629-4207

Tax Assessment & Valuation

The 2025 property tax bill for 23741 Montego Bay was $35,675.

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Dana Point City
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$4,200,000 (+26.14%) Land $4,007,672 Building $192,328
2025	$35,675.00 Homeowner's exemption	$3,329,741 Land $3,157,105 Building $172,636
2023	$33,936.00 (+35.71%) Homeowner's exemption	$3,192,600 Land $3,034,510 Building $158,090
2022	$25,006.00

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

Flood

FEMA maps place 23741 Montego Bay in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (1995–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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

The area around 23741 Montego Bay has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	SOUTH COAST WATER DISTRICT serves 41,194 people · EPA ID CA3010042
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2021–2023) 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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

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