24731 Cutter, Laguna Niguel, CA 92677 Property Records

Orange County property record for 24731 Cutter, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,664 sqft · built 1989
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Nov 2020)
Tax Bill	$8,862 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`653-371-19`

Property Details

APN / Parcel Number

Primary APN	`653-371-19`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,664 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	5,000 sqft (0.115 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	24731 CUTTER
City	LAGUNA NIGUEL
State	CA
Zip	92677-8835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13071 BLK LOT 8
Legal Subdivision	TRACT NO 13071
Legal Tract	13071
Legal Lot Number	8
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1005
Census Tract	42330

Owner

24731 Cutter is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835
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
Mar 21, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 4, 2020	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 17, 2020	Grant Deed, Transfer ZILLOW CLOSING & ESCROW SVCS CA INC, ZILLOW CLOSING & ESCROW SVCS C

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	2020633164
Prior Transfer Date	Mar 4, 2005
Prior Transfer Doc	0000182050
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835

Mortgage

Document Number	0000064671
Date	Mar 21, 2024
Instrument	2024000064671

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000274286
Date	Jun 15, 2020
Instrument	2020000274286

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 4, 2020
Property Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Document Number	0000633164
Map Reference	MB 591 PG 4-6
Instrument Date	Oct 26, 2020
Instrument	2020000633164
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ZILLOW CLOSING & ESCROW SVCS

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
Relationship	Community Property with Right of Survivorship
Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835

Mortgage

Document Number	0000633165
Date	Nov 4, 2020
Instrument	2020000633165

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 17, 2020
Property Address	24731 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Document Number	0000500833
Instrument Date	Sep 14, 2020
Instrument	500833
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ZILLOW CLOSING & ESCROW SVCS CA INC, ZILLOW CLOSING & ESCROW SVCS C

Transaction

Amount	Amount on Record
Tax	$842.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1301 2ND AVE #31 SEATTLE WA 981010003, 31, SEATTLE, WA 98101-0003
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 24731 Cutter was $8,862.

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		$894,304 (+2%) Land $702,916 Building $191,388
2025	$8,862.00	$876,769 Land $689,133 Building $187,636
2023	$8,530.00 (+1.94%)	$842,724 Land $662,374 Building $180,350
2022	$8,368.00

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

Flood

FEMA maps place 24731 Cutter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Nearby Flood Claims	2 (1978–1993)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

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 24731 Cutter 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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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	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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: Verizon.

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