24831 Cutter, Laguna Niguel, CA 92677 Property Records

Orange County property record for 24831 Cutter, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,027 sqft · built 1989
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$770,000 (Apr 2018)
Tax Bill	$8,856 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`653-371-09`

Property Details

APN / Parcel Number

Primary APN	`653-371-09`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,027 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	5,750 sqft (0.132 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	24831 CUTTER
City	LAGUNA NIGUEL
State	CA
Zip	92677-8837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13071 BLK LOT 18
Legal Subdivision	TRACT NO 13071
Legal Tract	13071
Legal Lot Number	18
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1005
Census Tract	42330

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	Individual Name on Record
Mailing Address	784 CARIBOU CT, ROCHESTER, MI 48307-6005
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 9, 2018	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Aug 11, 2008 · Amount on Record
Deed Document Number	2018125406
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24831 CUTTER, LAGUNA NIGUEL, CA 92677-8837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 CARIBOU CT, ROCHESTER, MI 48307-6005

Mortgage

Document Number	0000764704
Date	Dec 24, 2020
Instrument	2020000764704

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24831 CUTTER, LAGUNA NIGUEL, CA 92677-8837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375463
Date	Oct 16, 2018
Instrument	2018000375463

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 9, 2018
Property Address	24831 CUTTER, LAGUNA NIGUEL, CA 92677-8837
Document Number	0000125406
Map Reference	MB591 PG4-6
Instrument Date	Mar 21, 2018
Instrument	2018000125406
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 CARIBOU CT, ROCHESTER, MI 48307-6005

Mortgage

Document Number	0000125407
Date	Apr 9, 2018
Instrument	2018000125407

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$893,648 (+2%) Land $693,480 Building $200,168
2025	$8,856.00 (+3.89%)	$876,126 (+4.04%) Land $679,882 Building $196,244
2023	$8,524.00 (+1.94%)	$842,106 Land $653,481 Building $188,625
2022	$8,362.00

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	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

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	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 802 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
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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