28705 Charreadas, Laguna Niguel, CA 92677 Property Records

Orange County property record for 28705 Charreadas, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,202 sqft · built 1986
Lot Size	0.257 acres (11,200 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Nov 2025)
Tax Bill	$3,887 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`637-551-02`

Property Details

APN / Parcel Number

Primary APN	`637-551-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,202 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	11,200 sqft (0.257 acres)
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	28705 CHARREADAS
City	LAGUNA NIGUEL
State	CA
Zip	92677-4564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 10896 BLK LOT 39
Legal Subdivision	TRACT NO. 10896
Legal Tract	10896
Legal Lot Number	39
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2003
Census Tract	42315

Owner

28705 Charreadas is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564
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
Nov 22, 2024	Deed of Trust, Mortgage · Line of Credit FINANCIAL PARTNERS CU
Nov 4, 2025	Grant Deed, Transfer · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Nov 15, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Deed Document Number	2025302562
Prior Transfer Date	Nov 7, 2023
Prior Transfer Doc	0000279049
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564

Mortgage

Document Number	0000305876
Date	Nov 22, 2024
Instrument	2024000305876

Lender

Name	FINANCIAL PARTNERS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 21, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 4, 2025
Property Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564
Document Number	0000302562
Map Reference	MB 525 PG 14-21
Instrument Date	Oct 7, 2025
Instrument	2025000302562
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CORINTHIAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564

Mortgage

Document Number	0000302563
Date	Nov 4, 2025
Instrument	2025000302563

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 15, 2023
Property Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564
Document Number	0000279049
Map Reference	MB 525 PG 14-21
Instrument Date	Nov 7, 2023
Instrument	2023000279049
Transaction Type	Transfer
Record Updated	Dec 5, 2023

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	Living Trust
Address	28705 CHARREADAS, LAGUNA NIGUEL, CA 92677-4564

Tax Assessment & Valuation

The 2025 property tax bill for 28705 Charreadas was $3,887.

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		$1,400,000 (+258.55%) Land $1,151,672 Building $248,328
2025	$3,887.00 Homeowner's exemption	$390,462 Land $153,653 Building $236,809
2023	$3,739.00 (+1.96%) Homeowner's exemption	$375,300 Land $147,686 Building $227,614
2022	$3,667.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 28705 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 28705 Charreadas is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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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