23972 Carmel Dr, Lake Forest, CA 92630 Property Records

Orange County property record for 23972 Carmel Dr, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,549 sqft · built 1971
Lot Size	0.099 acres (4,320 sqft)
Owner	2 Individual Names on File
Last Sale	$1,090,000 (Oct 2025)
Tax Bill	$6,844 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Feb 2025 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`617-344-20`

Property Details

APN / Parcel Number

Primary APN	`617-344-20`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,549 sqft Living Area
Gross Area	2,009 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,320 sqft (0.099 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	23972 CARMEL DR
City	LAKE FOREST
State	CA
Zip	92630-2806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 6943 BLK LOT 27
Legal Subdivision	TR 6943
Legal Tract	6943
Legal Lot Number	27
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	1
Census Block	1003
Census Tract	52410

Owner

23972 Carmel Dr is owned and occupied by two individuals who bought it in October 2025.

Source: Orange County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Oct 20, 2025	Grant Deed, Transfer · Conventional Mortgage AMWEST FUNDING CORP
Feb 21, 2025	Trustee's Deed, Foreclosure · Commercial Mortgage LIM SHEW
Aug 24, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 24, 2018	Loan Modification, Mortgage · FHA Mortgage ROUNDPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Feb 21, 2025 · Amount on File
Deed Document Number	2025287617
Prior Transfer Date	Jul 19, 2007
Prior Transfer Doc	0000501963
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 20, 2025
Property Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806
Document Number	0000287617
Map Reference	MB 288 PG 24-26
Instrument Date	Oct 7, 2025
Instrument	2025000287617
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806

Mortgage

Document Number	0000287618
Date	Oct 20, 2025
Instrument	2025000287618

Lender

Name	AMWEST FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

February 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 21, 2025
Property Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806
Document Number	0000061028
Map Reference	MB 288 PG 24-26
Instrument Date	Feb 19, 2025
Instrument	2025000061028
Transaction Type	Foreclosure
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13217 JAMBOREE RD # 413, TUSTIN, CA 92782-9158

Mortgage

Document Number	0000061037
Date	Feb 21, 2025
Instrument	2025000061037

Lender

Name	LIM SHEW
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806
Document Number	0000337147
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23972 CARMEL DR LAKE FOREST CA 926302806, LAKE FOREST, CA 92630-2806

Mortgage

Document Number	0000337147
Date	Sep 14, 2018
Instrument	337147

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2048

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	23972 CARMEL DR, LAKE FOREST, CA 92630-2806
Document Number	0000335299
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23972 CARMEL DR LAKE FOREST CA 926302806, LAKE FOREST, CA 92630-2806

Mortgage

Document Number	0000335299
Date	Sep 13, 2018
Instrument	335299

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 23972 Carmel Dr was $6,844.

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		$1,090,000 (+65.9%) Land $956,937 Building $133,063
2025	$6,844.00	$657,004 Land $540,318 Building $116,686
2023	$6,559.00 (+1.83%) Homeowner's exemption	$631,493 Land $519,337 Building $112,156
2022	$6,441.00

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

Flood

FEMA maps place 23972 Carmel Dr 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

The area around 23972 Carmel Dr 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	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 768 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Cityside Fiber, GeoLinks, Verizon.

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