2585 Willo Ln, Costa Mesa, CA 92627 Property Records

Orange County property record for 2585 Willo Ln, Costa Mesa, CA 92627

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,987 sqft · built 2018
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Jul 2015)
Tax Bill	$14,904 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`439-111-07`

Property Details

APN / Parcel Number

Primary APN	`439-111-07`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,987 sqft Living Area
1st Floor Area	1,987 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	8,400 sqft (0.193 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2585 WILLO LN
City	COSTA MESA
State	CA
Zip	92627-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1828 BLK LOT 7
Legal Subdivision	TRACT NO 1828
Legal Tract	1828
Legal Lot Number	7
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	4
Census Block	4003
Census Tract	63102

Owner

Source: Orange County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Apr 30, 2020	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jun 27, 2018	Deed of Trust, Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2015 · Amount on Record
Deed Sale	Jul 31, 2015 · Amount on Record
Prior Sale	Sep 23, 1998 · Amount on Record
Deed Document Number	2015400451
Last Transfer Date	Oct 12, 2016
Transfer Doc	0000513469
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Sep 30, 2026
Property Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Document Number	0000274573
Instrument Date	Sep 25, 2026
Instrument	2026274573
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171
Address	2585 WILLO LN, COSTA MESA, CA 92627-1437

Mortgage

Document Number	0000274573,
Date	Sep 30, 2026
Instrument	2026274573

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 WILLO LN, COSTA MESA, CA 92627-1437

Mortgage

Document Number	0000389340
Date	Jun 11, 2021
Instrument	2021000389340

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000195272
Date	Apr 30, 2020
Instrument	2020000195272

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000195271
Date	Apr 30, 2020
Instrument	2020000195271

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	10.1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2585 WILLO LN, COSTA MESA, CA 92627-1437
Document Number	0000241968
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2585 WILLO LN COSTA MESA CA 926271437, COSTA MESA, CA 92627-1437

Mortgage

Document Number	0000241968
Date	Jul 2, 2018
Instrument	241968

Lender

Name	TIAA FSB
Address	19800 MACARTHUR BLVD # 510, IRVINE, CA 92612-2480

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,372,227 (+2%) Land $942,399 Building $429,828
2025	$14,904.00 (+4.46%) Homeowner's exemption	$1,345,321 (+4.04%) Land $923,921 Building $421,400
2023	$14,268.00 (+1.91%) Homeowner's exemption	$1,293,082 Land $888,044 Building $405,038
2022	$14,001.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1983–1997)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Dec 1997 · rainfall accumulation
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 96% of the US · lower than 97.4% 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	IRVINE RANCH WATER DISTRICT serves 450,323 people · EPA ID CA3010092
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) 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 634 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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