2776 Tern Cir, Costa Mesa, CA 92626 Property Records

Orange County property record for 2776 Tern Cir, Costa Mesa, CA 92626

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,467 sqft · built 1965
Lot Size	0.228 acres (9,933 sqft)
Owner	2 Individual Names on Record
Last Sale	$873,000 (Nov 2015)
Tax Bill	$11,841 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`139-481-36`

Property Details

APN / Parcel Number

Primary APN	`139-481-36`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,467 sqft Living Area
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	Wood Shingle
Lot Area	9,933 sqft (0.228 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2776 TERN CIR
City	COSTA MESA
State	CA
Zip	92626-4751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 5781 BLK LOT 11
Legal Subdivision	5731
Legal Tract	5781
Legal Lot Number	11
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1000
Census Tract	63803

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	2 Individual Names on Record
Mailing Address	2776 TERN CIR, COSTA MESA, CA 92626-4751
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE TURNKEY FOUNDATION INC
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2015 · Amount on Record
Deed Sale	Nov 9, 2015 · Amount on Record
Prior Sale	Nov 18, 2013
Deed Document Number	2015580007
Prior Transfer Date	Jul 13, 2015
Prior Transfer Doc	0000368924
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2776 TERN CIR, COSTA MESA, CA 92626-4751
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2776 TERN CIR, COSTA MESA, CA 92626-4751

Mortgage

Document Number	0000088417
Date	Feb 8, 2021
Instrument	2021000088417

Lender

Name	THE TURNKEY FOUNDATION INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2776 TERN CIR, COSTA MESA, CA 92626-4751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388946
Date	Oct 26, 2018
Instrument	2018000388946

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,054,120 (+2%) Land $892,294 Building $161,826
2025	$11,841.00 (+5.19%) Homeowner's exemption	$1,033,451 (+4.04%) Land $874,798 Building $158,653
2023	$11,257.00 (+2.71%) Homeowner's exemption	$993,322 Land $840,828 Building $152,494
2022	$10,960.00

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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (1983–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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 99.8% of the US · lower than 99.8% 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	MESA WATER DISTRICT serves 110,000 people · EPA ID CA3010004
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024–2026) 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 376 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
Verizon Fixed Wireless	300 / 20
Cosmo Network Solutions Fixed Wireless	250 / 100

May also be available: AT&T, GeoLinks, T-Mobile.

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