Orange County property record for 28362 Chat Dr, Laguna Niguel, CA 92677
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,860 sqft · built 1979 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | Company Name on Record |
| Last Sale | $377,500 (Feb 1997) |
| Tax Bill | $6,381 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 654-221-13 |
| Primary APN | 654-221-13 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,860 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 9,800 sqft (0.225 acres) |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 28362 CHAT DR |
|---|---|
| City | LAGUNA NIGUEL |
| State | CA |
| Zip | 92677-1383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 10072 BLK LOT 20 |
| Legal Tract | 10072 |
| Legal Lot Number | 20 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 42319 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 28362 CHAT DR, LAGUNA NIGUEL, CA 92677-1383 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 1997 · Amount on Record |
| Deed Sale | Feb 26, 1997 · Amount on Record |
| Deed Document Number | 199787232 |
| Last Transfer Date | Jun 21, 2006 |
| Transfer Doc | 0000691871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 28362 CHAT DR, LAGUNA NIGUEL, CA 92677-1383 |
| Document Number | 0000157633 |
| Instrument Date | Mar 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 28362 CHAT DR LAGUNA NIGUEL CA 926771383, LAGUNA NIGUEL, CA 92677-1383 |
| Document Number | 0000157633 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 157633 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $643,372 (+2%) Land $313,747 Building $329,625 | |
| 2025 | $6,381.00 (+3.89%) | $630,757 (+4.04%) Land $307,595 Building $323,162 |
| 2023 | $6,142.00 (+1.94%) | $606,265 Land $295,651 Building $310,614 |
| 2022 | $6,025.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1980 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 348 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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