28 Luminosa, Lake Forest, CA 92630 Property Records

Orange County property record for 28 Luminosa, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,620 sqft · built 2022
Lot Size	0.102 acres (4,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,593,000 (Sep 2022)
Tax Bill	$17,227 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`610-731-23`

Property Details

APN / Parcel Number

Primary APN	`610-731-23`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Building Area	4,620 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	4,443 sqft (0.102 acres)
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	28 LUMINOSA
City	LAKE FOREST
State	CA
Zip	92630-7032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 15594 BLK LOT 22
Legal Tract	15594
Legal Lot Number	22
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2003
Census Tract	52425

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 LUMINOSA, LAKE FOREST, CA 92630-7032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Deed Document Number	2022300079
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 7, 2022
Property Address	28 LUMINOSA, LAKE FOREST, CA 92630-7032
Document Number	0000300079
Map Reference	MB 984 PG 1-11
Instrument Date	Aug 18, 2022
Instrument	2022000300079
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL BUILDER SV

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	28 LUMINOSA, LAKE FOREST, CA 92630-7032

Mortgage

Document Number	0000300080
Date	Sep 7, 2022
Instrument	2022000300080

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

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		$1,690,260 (+2%) Land $549,695 Building $1,140,565
2025	$17,227.00 (+4.32%) Homeowner's exemption	$1,657,118 (+4.04%) Land $538,917 Building $1,118,201
2023	$16,514.00 (+231.27%) Homeowner's exemption	$1,592,771 Land $517,990 Building $1,074,781
2022	$4,985.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

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

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