28686 Charreadas, Laguna Niguel, CA 92677 Property Records

Orange County property record for 28686 Charreadas, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,202 sqft · built 1986
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on File
Last Sale	$1,485,000 (Mar 2025)
Tax Bill	$9,119 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`637-542-10`

Property Details

APN / Parcel Number

Primary APN	`637-542-10`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,202 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	9,800 sqft (0.225 acres)
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	28686 CHARREADAS
City	LAGUNA NIGUEL
State	CA
Zip	92677-4562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 10896 BLK LOT 68
Legal Subdivision	TRACT NO 10896
Legal Tract	10896
Legal Lot Number	68
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2003
Census Tract	42315

Owner

28686 Charreadas is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	28686 CHARREADAS, LAGUNA NIGUEL, CA 92677-4562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2020	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 23, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on File
Deed Sale	Mar 6, 2025 · Amount on File
Prior Sale	Feb 7, 2020 · Amount on File
Deed Document Number	202573683
Prior Transfer Date	Apr 9, 2018
Prior Transfer Doc	0000125545
Record Updated	Oct 29, 2026

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 7, 2020
Property Address	28686 CHARREADAS, LAGUNA NIGUEL, CA 92677-4562
Document Number	0000054464
Map Reference	MB 525 PG 14-21
Instrument Date	Jan 10, 2020
Instrument	2020000054464
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transaction

Amount	Amount on Record
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
Address	28686 CHARREADAS, LAGUNA NIGUEL, CA 92677-4562

Mortgage

Document Number	0000054465
Date	Feb 7, 2020
Instrument	2020000054465

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 9, 2018
Property Address	28686 CHARREADAS, LAGUNA NIGUEL, CA 92677-4562
Document Number	0000125544
Instrument Date	Apr 9, 2018
Instrument	125544
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	28686 CHARREADAS LAGUNA NIGUEL CA 926774562, LAGUNA NIGUEL, CA 92677-4562

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ORANGE CA
Recording Date	Aug 23, 2017
Property Address	28686 CHARREADAS, LAGUNA NIGUEL, CA 92677-4562
Document Number	0000358245
Instrument Date	Aug 22, 2017
Instrument	358245
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28686 CHARREADAS LAGUNA NIGUEL CA 926774562, LAGUNA NIGUEL, CA 92677-4562

Tax Assessment & Valuation

The 2025 property tax bill for 28686 Charreadas was $9,119 with a homeowner's exemption.

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

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
2026		$1,514,700 (+67.88%) Land $1,252,691 Building $262,009
2025	$9,119.00	$902,256 Land $681,470 Building $220,786
2023	$8,778.00 (+1.95%)	$867,221 Land $655,008 Building $212,213
2022	$8,610.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 28686 Charreadas in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	3 (1982–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2021

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

Wildfire risk around 28686 Charreadas is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 193 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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