Orange County property record for 27731 Cummins Dr, Laguna Niguel, CA 92677
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,969 sqft · built 1987 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $757,000 (Oct 2005) |
| Tax Bill | $10,382 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 636-242-12 |
| Primary APN | 636-242-12 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,969 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 4,000 sqft (0.092 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 27731 CUMMINS DR |
|---|---|
| City | LAGUNA NIGUEL |
| State | CA |
| Zip | 92677-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | N TR 12726 BLK LOT 4 |
| Legal Subdivision | TRACT NO 12726 |
| Legal Tract | 12726 |
| Legal Lot Number | 4 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 42334 |
27731 Cummins Dr is owner-occupied and held in a trust since September 2024.
Source: Orange County records, as of August 26, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 27731 CUMMINS DR, LAGUNA NIGUEL, CA 92677-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 20, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Nov 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2005 · Amount on File |
| Deed Sale | Oct 21, 2005 · Amount on File |
| Prior Sale | Nov 24, 1998 · Amount on File |
| Deed Document Number | 2005849563 |
| Last Transfer Date | Sep 13, 2024 |
| Transfer Doc | 0000277692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 27731 CUMMINS DR, LAGUNA NIGUEL, CA 92677-4007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 27731 CUMMINS DR, LAGUNA NIGUEL, CA 92677-4007 |
| Document Number | 0000578658 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021000578658 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 27731 CUMMINS DR, LAGUNA NIGUEL, CA 92677-4007 |
| Document Number | 0000153748 |
| Instrument Date | Mar 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 27731 CUMMINS DR LAGUNA NIGUEL CA 926774007, LAGUNA NIGUEL, CA 92677-4007 |
| Document Number | 0000153748 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 153748 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 27731 CUMMINS DR, LAGUNA NIGUEL, CA 92677-4007 |
| Document Number | 0000505829 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID' |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 27731 CUMMINS DR LAGUNA NIGUEL CA 926774007, LAGUNA NIGUEL, CA 92677-4007 |
| Document Number | 0000505829 |
|---|---|
| Date | Dec 4, 2019 |
| Instrument | 505829 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2049 |
The 2025 property tax bill for 27731 Cummins Dr was $10,382 with a homeowner's exemption, up 1.7% from the year before.
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 | $1,055,185 (+2%) Land $765,085 Building $290,100 | |
| 2025 | $10,382.00 (+1.7%) | $1,034,496 Land $750,084 Building $284,412 |
| 2024 | $10,208.00 (+2.18%) | |
| 2023 | $9,990.00 (+25.88%) Homeowner's exemption | $994,326 Land $720,957 Building $273,369 |
| 2022 | $7,936.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 27731 Cummins Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 27731 Cummins Dr 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 95% of the US · lower than 97% 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.
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 420 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 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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