3 Reef, Laguna Niguel, CA 92677 Property Records

Orange County property record for 3 Reef, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,870 sqft · built 1989
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,155,000 (Mar 2017)
Tax Bill	$13,882 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`649-582-09`

Property Details

APN / Parcel Number

Primary APN	`649-582-09`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,870 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	10,500 sqft (0.241 acres)
Garage Area	644 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	3 REEF
City	LAGUNA NIGUEL
State	CA
Zip	92677-5639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12774 BLK LOT 37
Legal Subdivision	TRACT NO 12774
Legal Tract	12774
Legal Lot Number	37
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3000
Census Tract	42337

Owner

3 Reef is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 29, 2020	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF SOUTHERN CALIFORNIA
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Mar 2, 2017	Grant Deed, Transfer · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2017 · Amount on File
Deed Sale	Mar 2, 2017 · Amount on File
Deed Document Number	201789056
Prior Transfer Date	Sep 9, 2011
Prior Transfer Doc	0000482843
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMEBERS TTL INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639

Mortgage

Document Number	0000617749
Date	Oct 29, 2020
Instrument	2020000617749

Lender

Name	CREDIT UNION OF SOUTHERN CALIFORNIA
Type	Credit Union
Address	LA HABRA, CA 90631

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 26, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000313244
Date	Jul 2, 2020
Instrument	2020000313244

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 2, 2017
Property Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639
Document Number	0000089056
Map Reference	MB 571 PG 34-37
Instrument Date	Jan 20, 2017
Instrument	2017000089056
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TICOR TITLE

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	Joint Tenants
Address	3 REEF, LAGUNA NIGUEL, CA 92677-5639

Mortgage

Document Number	0000089057
Date	Mar 2, 2017
Instrument	2017000089057

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 Reef was $13,882 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		$1,409,239 (+2%) Land $1,055,164 Building $354,075
2025	$13,882.00 Homeowner's exemption	$1,381,607 Land $1,034,474 Building $347,133
2023	$13,359.00 (+1.95%) Homeowner's exemption	$1,327,958 Land $994,304 Building $333,654
2022	$13,104.00

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

Flood

FEMA maps place 3 Reef in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 3 Reef is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 292 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Reef

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures