3 Gaucho Rd, Ladera Ranch, CA 92694 Property Records

Orange County property record for 3 Gaucho Rd, Ladera Ranch, CA 92694

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,811 sqft · built 2013
Lot Size	0.319 acres (13,872 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,267,500 (Nov 2013)
Tax Bill	$23,811 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`741-434-08`

Property Details

APN / Parcel Number

Primary APN	`741-434-08`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,811 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	13,872 sqft (0.319 acres)
Garage Area	710 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	3 GAUCHO RD
City	LADERA RANCH
State	CA
Zip	92694-1564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 16586 BLK LOT 48
Legal Subdivision	MAP
Legal Tract	16586
Legal Lot Number	48
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	1
Census Block	1005
Census Tract	32058

Owner

Source: Orange County records, as of October 13, 2026

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	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jun 28, 2018	Deed of Trust, Mortgage · ARM BOFI FEDERAL BANK
Mar 10, 2020	Deed of Trust, Mortgage · Line of Credit BBVA USA
Mar 25, 2019	Deed of Trust, Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2013 · Amount on Record
Deed Sale	Nov 27, 2013 · Amount on Record
Deed Document Number	2013651155
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Oct 5, 2026
Property Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Document Number	0000279224
Instrument Date	Sep 29, 2026
Instrument	2026279224
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564

Mortgage

Document Number	0000279224,
Date	Oct 5, 2026
Instrument	2026279224

Lender

Name	BMO HARRIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564

Mortgage

Document Number	0000294528
Date	Nov 28, 2023
Instrument	2023000294528

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000237120
Date	Jun 28, 2018
Instrument	2018000237120

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	11.5%
Index	1-Year LIBOR
Max Rate	11.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000105527
Date	Mar 10, 2020
Instrument	2020000105527

Lender

Name	BBVA USA
Type	Bank
Address	CORONA, CA 92882

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 21, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 GAUCHO RD, LADERA RANCH, CA 92694-1564
Document Number	0000114838
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3 GAUCHO RD LADERA RANCH CA 926941564, LADERA RANCH, CA 92694-1564

Mortgage

Document Number	0000114838
Date	Apr 10, 2019
Instrument	114838

Lender

Name	BANK OF THE WEST
Type	Bank
Address	180 MONTGOMERY ST, SAN FRANCISCO, CA 94104-4205

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,659,414 (+2%) Land $620,415 Building $1,038,999
2025	$23,811.00 (+3.7%) Homeowner's exemption	$1,626,877 (+4.04%) Land $608,250 Building $1,018,627
2023	$22,962.00 (+0.31%) Homeowner's exemption	$1,563,704 Land $584,631 Building $979,073
2022	$22,892.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
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 202 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

May also be available: AT&T, T-Mobile.

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