23972 Eider Ct, Laguna Niguel, CA 92677 Property Records

Orange County property record for 23972 Eider Ct, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,098 sqft · built 1978
Lot Size	0.149 acres (6,500 sqft)
Owner	Company Name on Record
Tax Bill	$4,866 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`654-191-09`

Property Details

APN / Parcel Number

Primary APN	`654-191-09`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,098 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	6,500 sqft (0.149 acres)
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23972 EIDER CT
City	LAGUNA NIGUEL
State	CA
Zip	92677-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 9791 BLK LOT 13
Legal Subdivision	TRACT NO 9791
Legal Tract	9791
Legal Lot Number	13
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1004
Census Tract	42319

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	Company Name on Record
Mailing Address	23972 EIDER CT, LAGUNA NIGUEL, CA 92677-1311
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 12, 2015
Transfer Doc	0000102722
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23972 EIDER CT, LAGUNA NIGUEL, CA 92677-1311
Transaction Type	Mortgage
Record Updated	Dec 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23972 EIDER CT, LAGUNA NIGUEL, CA 92677-1311

Mortgage

Document Number	0000719877
Date	Nov 24, 2021
Instrument	2021000719877

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2028
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23972 EIDER CT, LAGUNA NIGUEL, CA 92677-1311
Document Number	0000547152
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	23972 EIDER CT LAGUNA NIGUEL CA 926771311, LAGUNA NIGUEL, CA 92677-1311

Mortgage

Document Number	0000547152
Date	Dec 30, 2019
Instrument	547152

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23972 EIDER CT, LAGUNA NIGUEL, CA 92677-1311
Document Number	0000433538
Instrument Date	Oct 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	23972 EIDER CT LAGUNA NIGUEL CA 926771311, LAGUNA NIGUEL, CA 92677-1311

Mortgage

Document Number	0000433538
Date	Nov 1, 2019
Instrument	433538

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$497,270 (+2%) Land $224,702 Building $272,568
2025	$4,866.00 (+3.95%) Homeowner's exemption	$487,520 (+4.04%) Land $220,296 Building $267,224
2023	$4,681.00 (+1.96%) Homeowner's exemption	$468,590 Land $211,741 Building $256,849
2022	$4,591.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1980)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1980 · 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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	MOULTON NIGUEL WATER DISTRICT serves 168,315 people · EPA ID CA3010073
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2022–2024) 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 541 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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