24891 Stem Ave, Lake Forest, CA 92630 Property Records

Orange County property record for 24891 Stem Ave, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 1965
Lot Size	0.172 acres (7,480 sqft)
Owner	2 Individual Names on File
Last Sale	$771,000 (Feb 2021)
Tax Bill	$8,586 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`619-023-23`

Property Details

APN / Parcel Number

Primary APN	`619-023-23`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,735 sqft Living Area
1st Floor Area	1,735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,480 sqft (0.172 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	24891 STEM AVE
City	LAKE FOREST
State	CA
Zip	92630-5251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 5531 BLK LOT 23
Legal Subdivision	TRACT 5531
Legal Tract	5531
Legal Lot Number	23
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	1
Census Block	1022
Census Tract	32014

Owner

24891 Stem Ave is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	24891 STEM AVE, LAKE FOREST, CA 92630-5251
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit ORANGE COUNTYS CU
Feb 22, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Deed Document Number	2021122176
Prior Transfer Date	Sep 23, 2002
Prior Transfer Doc	0000829233
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24891 STEM AVE, LAKE FOREST, CA 92630-5251
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24891 STEM AVE, LAKE FOREST, CA 92630-5251

Mortgage

Document Number	0000093604
Date	Apr 24, 2023
Instrument	2023000093604

Lender

Name	ORANGE COUNTYS CU
Type	Credit Union
Address	SANTA ANA, CA 92705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 22, 2021
Property Address	24891 STEM AVE, LAKE FOREST, CA 92630-5251
Document Number	0000122176
Map Reference	MB 197 PG 29-33
Instrument Date	Feb 8, 2021
Instrument	2021000122176
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO 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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	24891 STEM AVE, LAKE FOREST, CA 92630-5251

Mortgage

Document Number	0000122177
Date	Feb 22, 2021
Instrument	2021000122177

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 24891 Stem Ave was $8,586.

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		$851,133 (+2%) Land $734,550 Building $116,583
2025	$8,586.00	$834,445 Land $720,147 Building $114,298
2023	$8,232.00 (+1.81%)	$802,044 Land $692,184 Building $109,860
2022	$8,086.00

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

Flood

FEMA maps place 24891 Stem Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2017

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 24891 Stem Ave 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	EL TORO WATER DISTRICT serves 53,415 people · EPA ID CA3010079
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2021–2023) 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 450 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cityside Fiber, GeoLinks.

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