2646 N River Trail Rd, Orange, CA 92865 Property Records

Orange County property record for 2646 N River Trail Rd, Orange, CA 92865

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,669 sqft · built 1984
Lot Size	0.108 acres (4,692 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Jul 2020)
Tax Bill	$7,800 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`374-731-61`

Property Details

APN / Parcel Number

Primary APN	`374-731-61`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,669 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	4,692 sqft (0.108 acres)
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2646 N RIVER TRAIL RD
City	ORANGE
State	CA
Zip	92865-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 10539 BLK LOT 96
Legal Subdivision	TRACT NO 10539
Legal Tract	10539
Legal Lot Number	96
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	1
Census Block	1000
Census Tract	76204

Owner

2646 N River Trail Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013
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
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOAN FACTORY INC
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jul 17, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Jun 12, 1998 · Amount on File
Deed Document Number	2020343882
Prior Transfer Date	Feb 15, 2002
Prior Transfer Doc	0000169679
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013

Mortgage

Document Number	0000041423
Date	Feb 1, 2022
Instrument	2022000041423

Lender

Name	LOAN FACTORY INC
Type	Non-Lending Institution
Address	SAN JOSE, CA 95121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013

Mortgage

Document Number	0000176072
Date	Mar 15, 2021
Instrument	2021000176072

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 17, 2020
Property Address	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013
Document Number	0000343882
Map Reference	MB 462 PG 25-29
Instrument Date	Jun 29, 2020
Instrument	2020000343882
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	2646 N RIVER TRAIL RD, ORANGE, CA 92865-2013

Mortgage

Document Number	0000343883
Date	Jul 17, 2020
Instrument	2020000343883

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2646 N River Trail Rd was $7,800.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Orange City
Unified School District	Orange Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$712,128 (+2%) Land $539,141 Building $172,987
2025	$7,800.00	$698,165 Land $528,569 Building $169,596
2023	$7,461.00 (+103.96%)	$671,055 Land $508,044 Building $163,011
2022	$3,658.00

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

Flood

FEMA maps place 2646 N River Trail Rd in Zone X, where a levee reduces 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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

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

The area around 2646 N River Trail Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	CITY OF ORANGE serves 120,770 people · EPA ID CA3010027
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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 605 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cosmo Network Solutions Fixed Wireless	350 / 150
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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