Orange County property record for 24781 Cutter, Laguna Niguel, CA 92677
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,759 sqft · built 1989 |
| Lot Size | 0.129 acres (5,600 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,671 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 653-371-14 |
| Primary APN | 653-371-14 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,759 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 5,600 sqft (0.129 acres) |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Street Address | 24781 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 13 |
| Legal Tract | 13071 |
| Legal Lot Number | 13 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 42330 |
24781 Cutter is owner-occupied and held in a trust since May 2015.
Source: Orange County records, as of August 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 24781 CUTTER, LAGUNA NIGUEL, CA 92677-8835 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 29, 2015 |
| Transfer Doc | 0000299290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 24781 CUTTER, LAGUNA NIGUEL, CA 92677-8835 |
| Document Number | 0000111269 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 24781 CUTTER LAGUNA NIGUEL CA 926778835, LAGUNA NIGUEL, CA 92677-8835 |
| Document Number | 0000111269 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 111269 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 19, 2032 |
The 2025 property tax bill for 24781 Cutter was $3,671 with a homeowner's exemption.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Niguel City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $376,374 (+2%) Land $174,252 Building $202,122 | |
| 2025 | $3,671.00 Homeowner's exemption | $368,995 Land $170,836 Building $198,159 |
| 2023 | $3,531.00 (+1.99%) Homeowner's exemption | $354,667 Land $164,202 Building $190,465 |
| 2022 | $3,462.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 24781 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 risk around 24781 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.
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 |
| 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.
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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