29992 Whitecap, Laguna Niguel, CA 92677 Property Records

Orange County property record for 29992 Whitecap, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,027 sqft · built 1989
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jun 2021)
Tax Bill	$14,140 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`653-371-06`

Property Details

APN / Parcel Number

Primary APN	`653-371-06`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,027 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	9,000 sqft (0.207 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	29992 WHITECAP
City	LAGUNA NIGUEL
State	CA
Zip	92677-8896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13071 BLK LOT 21
Legal Subdivision	TRACT NO 13071
Legal Tract	13071
Legal Lot Number	21
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1005
Census Tract	42330

Owner

Source: Orange County records, 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 Record
Mailing Address	29992 WHITECAP, LAGUNA NIGUEL, CA 92677-8896
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 24, 2021	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Nov 1, 2019	Quit Claim Deed, Transfer LAWYERS TITLE
Nov 1, 2019	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	2021414903
Prior Transfer Date	Oct 15, 2019
Prior Transfer Doc	0000434146
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	29992 WHITECAP, LAGUNA NIGUEL, CA 92677-8896
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29992 WHITECAP, LAGUNA BEACH, CA 92677-8896

Mortgage

Document Number	0000391069
Date	Nov 29, 2022
Instrument	2022000391069

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 24, 2021
Property Address	29992 WHITECAP, LAGUNA NIGUEL, CA 92677-8896
Document Number	0000414903
Map Reference	MB 591 PG 4&5
Instrument Date	May 22, 2021
Instrument	2021000414903
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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	29992 WHITECAP, LAGUNA BEACH, CA 92677-8896

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 1, 2019
Property Address	29992 WHITECAP, LAGUNA NIGUEL, CA 92677-8896
Document Number	0000434146
Instrument Date	Oct 15, 2019
Instrument	434146
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	29992 WHITECAP LAGUNA NIGUEL CA 926778896, LAGUNA NIGUEL, CA 92677-8896

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 1, 2019
Property Address	29992 WHITECAP, LAGUNA NIGUEL, CA 92677-8896
Document Number	0000434147
Instrument Date	Sep 26, 2019
Instrument	434147
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$954.80
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	29992 WHITECAP LAGUNA NIGUEL CA 926778896, LAGUNA NIGUEL, CA 92677-8896

Mortgage

Document Number	434148
Date	Nov 1, 2019
Instrument	434148

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

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	$14,140.00 (+1.7%) Homeowner's exemption	$1,407,161 (+4.04%) Land $1,197,856 Building $209,305
2024	$13,903.00 (+2.17%)
2023	$13,608.00 (+1.96%) Homeowner's exemption	$1,352,520 Land $1,151,342 Building $201,178
2022	$13,347.00

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 Policies	2 in force
Nearby Flood Claims	2 (1978–1993)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

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	Not rated no burnable land within 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 802 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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