28821 Rancho Way, Silverado, CA 92676 Property Records

Orange County property record for 28821 Rancho Way, Silverado, CA 92676

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 860 sqft · built 1932
Lot Size0.402 acres (17,500 sqft)
Owner2 Individual Names on File
Last Sale$979,000 (Nov 2025)
Tax Bill$7,086 (2025)
Deeds & MortgagesNov 2021 Mortgage
Nov 2025 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN105-121-08

Property Details

APN / Parcel Number

Primary APN105-121-08

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area860 sqft Living Area
1st Floor Area860 sqft

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1932
Lot Area17,500 sqft (0.402 acres)

Location & Zoning

Street Address28821 RANCHO WAY
CitySILVERADO
StateCA
Zip92676
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS TWP 5 RGE 7 SEC 8 SEC 8 T 5 R 7 IRREG LOT IN S1/2 SE1/4
Legal Lot NumberI
JurisdictionORANGE CA
Township / Civil DivisionSILVERADO
Census Block Group1
Census Block1022
Census Tract32011

Owner

28821 Rancho Way is owned and occupied by two individuals who bought it in November 2025.

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 Record2 Individual Names on File
Mailing Address28821 RANCHO WAY, SILVERADO, CA 92676
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
TEACHERS FCU
Nov 3, 2025Grant Deed, Transfer · Conventional Mortgage
TEACHERS FCU
Sep 2, 2020Intrafamily Transfer, Transfer
PACIFIC COAST TITLE COMPANY
Mar 25, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 3, 2025 · Amount on File
Deed SaleNov 3, 2025 · Amount on File
Prior SaleMay 2, 2003 · Amount on File
Deed Document Number2025301337
Prior Transfer DateJun 9, 2020
Prior Transfer Doc0000458968
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE CA
Property Address28821 RANCHO WAY, SILVERADO, CA 92676
Transaction TypeMortgage
Record UpdatedApr 2, 2026
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address28821 RARCHOWAY, SILVERADO, CA 92676

Mortgage

Document Number0000674798
DateNov 8, 2021
Instrument2021000674798
Lender
NameTEACHERS FCU
TypeCredit Union
AddressHAUPPAUGE, NY 11788
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

November 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionORANGE CA
Recording DateNov 3, 2025
Property Address28821 RANCHO WAY, SILVERADO, CA 92676
Document Number0000301337
Instrument DateOct 27, 2025
Instrument2025000301337
Transaction TypeTransfer
Record UpdatedApr 2, 2026
Title CompanyCALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address28821 RANCHO WAY, SILVERADO, CA 92676

Mortgage

Document Number0000301338
DateNov 3, 2025
Instrument2025000301338
Lender
NameTEACHERS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateNov 1, 2032
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change10.5%
IndexSOFR Average 30-Day
Margin3
Max Rate10.5%

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionORANGE CA
Recording DateSep 2, 2020
Property Address28821 RANCHO WAY, SILVERADO, CA 92676
Document Number0000458968
Instrument DateJun 9, 2020
Instrument2020000458968
Transaction TypeTransfer
Record UpdatedSep 14, 2021
Title CompanyPACIFIC COAST TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Partial Interest
  • Partial Parcel

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address28821 RANCHO WAY, SILVERADO, CA 92676

March 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionORANGE CA
Recording DateMar 25, 2019
Property Address28821 RANCHO WAY, SILVERADO, CA 92676
Document Number0000092815
Instrument DateMar 11, 2019
Instrument2019000092815
Transaction TypeTransfer
Record UpdatedSep 14, 2021
Title CompanyBNT TITLE COMPANY OF CA

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address28821 RANCHO WAY, SILVERADO, CA 92676

Mortgage

Document Number0000092816
DateMar 25, 2019
Instrument2019000092816
Lender
NameNATIONS DIRECT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 28821 Rancho Way was $7,086.

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

Property Jurisdictions

TypeName
StateCalifornia
CountyOrange County
Unified School DistrictOrange Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$979,000 (+47.91%) Land $829,000 Building $150,000
2025$7,086.00$661,881 Land $629,020 Building $32,861
2023$6,693.00 (+31.88%) Homeowner's exemption$636,180 Land $604,594 Building $31,586
2022$5,075.00

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

Flood

FEMA maps place 28821 Rancho Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 50 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies50 in force
Nearby Flood Claims65 (1978–2024)
Claims Outside the SFHA22 of 65
Most Recent ClaimNov 2024 · rainfall accumulation
Claims by Event
  • Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 15 claims
  • Severe Storms, Flooding, Debris Flows, And Mudslides, Jan 2005 · 3 claims
  • Severe Winter Storms And Flooding, Feb 1998 · 10 claims

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 28821 Rancho Way is extreme, ranking above 99.3% of the US, with a 4% annual chance of wildfire.

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

Wildfire RiskExtreme
above 99.3% of the US · above 95% of California
Wildfire Likelihood4% annual chance
ExposureDirect
burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 SystemIRVINE RANCH WATER DISTRICT
serves 450,323 people · EPA ID CA3010092
Water SourceSurface water
Last State InspectionNov 2023
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 63 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable
2,000 / 100
Starlink
Satellite
280 / 30

May also be available: AT&T.

Nearby Properties on Rancho Way

Nearby Streets

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