28481 Springfield Dr, Laguna Niguel, CA 92677 Property Records

Orange County property record for 28481 Springfield Dr, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,075 sqft · built 1979
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,993 (2025)
Deeds & Mortgages	Dec 2022 Reverse Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`637-251-09`

Property Details

APN / Parcel Number

Primary APN	`637-251-09`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,075 sqft Living Area
Gross Area	3,738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,400 sqft (0.147 acres)
View / Lot	Good
Garage Area	663 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28481 SPRINGFIELD DR
City	LAGUNA NIGUEL
State	CA
Zip	92677-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 9547 BLK LOT 19
Legal Subdivision	TRACT NO 9547
Legal Tract	9547
Legal Lot Number	19
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	4
Census Block	4010
Census Tract	42315

Owner

Source: Orange County assessment roll, as of August 6, 2025

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 File
Mailing Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 23, 2019	Intrafamily Transfer, Transfer · ARM ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 13, 2019
Transfer Doc	0000362790
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28481 SPRINGFIELD DR, LAGUNA BEACH, CA 92677-1447

Mortgage

Document Number	0000412060
Date	Dec 19, 2022
Instrument	2022000412060

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447

Mortgage

Document Number	0000119871
Date	Feb 19, 2021
Instrument	2021000119871

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447
Document Number	0000314105
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28481 SPRINGFIELD DR LAGUNA NIGUEL CA 926771447, LAGUNA NIGUEL, CA 92677-1447

Mortgage

Document Number	0000314105
Date	Jul 2, 2020
Instrument	314105

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 23, 2019
Property Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447
Document Number	0000362790
Map Reference	MB 413 PG 27-33
Instrument Date	Sep 13, 2019
Instrument	2019000362790
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28481 SPRINGFIELD DR, LAGUNA NIGUEL, CA 92677-1447

Mortgage

Document Number	0000362791
Date	Sep 23, 2019
Instrument	2019000362791

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.92%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	11.9%
Index	1-Year LIBOR
Margin	4
Max Rate	11.9%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 6, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,993.00 (+3.94%) Homeowner's exemption	$797,544 (+4.04%) Land $477,683 Building $319,861
2023	$7,690.00 (+1.95%) Homeowner's exemption	$766,575 Land $459,133 Building $307,442
2022	$7,543.00

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
Nearby Flood Claims	2 (2004–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2015 · other causes

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

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 443 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
AT&T DSL	100 / 20

May also be available: California Internet, T-Mobile USA.

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