3 High Bluff, Laguna Niguel, CA 92677 Property Records

Orange County property record for 3 High Bluff, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,866 sqft · built 1994
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Trust Names on File
Last Sale	$339,000 (Apr 1995)
Tax Bill	$5,772 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`672-571-13`

Property Details

APN / Parcel Number

Primary APN	`672-571-13`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,866 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	6,900 sqft (0.158 acres)
Garage Area	607 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3 HIGH BLF
City	LAGUNA NIGUEL
State	CA
Zip	92677-4259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13929 BLK LOT 69
Legal Subdivision	TRACT NO 13929
Legal Tract	13929
Legal Lot Number	69
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3008
Census Tract	42332

Owner

3 High Bluff is owner-occupied and held in a trust since April 1995.

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

Owner of Record	2 Trust Names on File
Mailing Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Personal Trust

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 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 1995 · Amount on File
Deed Sale	Apr 28, 1995 · Amount on File
Prior Sale	Mar 20, 1995 · Amount on File
Deed Document Number	1995182021
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259

Mortgage

Document Number	0000714039
Date	Nov 23, 2021
Instrument	2021000714039

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000294033
Date	Aug 10, 2018
Instrument	2018000294033

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HIGH BLF, LAGUNA NIGUEL, CA 92677-4259

Mortgage

Document Number	0000479626
Date	Sep 10, 2020
Instrument	2020000479626

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3 High Bluff was $5,772 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		$588,841 (+2%) Land $184,969 Building $403,872
2025	$5,772.00 Homeowner's exemption	$577,296 Land $181,343 Building $395,953
2023	$5,553.00 (+1.96%) Homeowner's exemption	$554,880 Land $174,301 Building $380,579
2022	$5,446.00

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

Flood

FEMA maps place 3 High Bluff in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · rainfall accumulation

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 3 High Bluff 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 97% of the US · lower than 97.8% 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 454 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	100 / 20

May also be available: Verizon.

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