Orange County property record for 3 Treethorne Cir, Laguna Niguel, CA 92677
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,547 sqft · built 1984 |
| Lot Size | 0.142 acres (6,189 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,350,000 (Sep 2025) |
| Tax Bill | $3,426 (2025) |
| Deeds & Mortgages | Nov 2021 Reverse Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 637-451-18 |
| Primary APN | 637-451-18 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,547 sqft Living Area |
| 1st Floor Area | 1,547 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 6,189 sqft (0.142 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3 TREETHORNE CIR |
|---|---|
| City | LAGUNA NIGUEL |
| State | CA |
| Zip | 92677-4905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 11459 BLK LOT 23 |
| Legal Subdivision | TRACT NO 11459 |
| Legal Tract | 11459 |
| Legal Lot Number | 23 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 42315 |
3 Treethorne Cir is owned by two individuals who bought it in September 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1164 GALESMORE CT, WESTLAKE VILLAGE, CA 91361-1647 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Sep 22, 2025 | Grant Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on File |
| Deed Sale | Sep 22, 2025 · Amount on File |
| Prior Sale | Sep 27, 2013 · Amount on File |
| Deed Document Number | 2025259273 |
| Prior Transfer Date | Sep 1, 2004 |
| Prior Transfer Doc | 0000805493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 3 TREETHORNE CIR, LAGUNA NIGUEL, CA 92677-4905 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3 TREETHORNE CIR, LAGUNA NIGUEL, CA 92677-4905 |
| Investor | Possibly a Property Investor |
| Document Number | 0000702945 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021000702945 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1021 Months |
| Due | Dec 18, 2106 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.82% |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Max Rate | 6.82% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Sep 22, 2025 |
| Property Address | 3 TREETHORNE CIR, LAGUNA NIGUEL, CA 92677-4905 |
| Document Number | 0000259273 |
| Map Reference | MB 511 PG 30&31 |
| Instrument Date | Aug 19, 2025 |
| Instrument | 2025000259273 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2025 |
| Title Company | FIRST AMERICAN TITLE COMPANY SUBDIV, FIRST AMER TTL CO RES DIV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1164 GALESMORE CT, WESTLAKE VILLAGE, CA 91361-1647 |
| Document Number | 0000259274 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 2025000259274 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
The 2025 property tax bill for 3 Treethorne Cir was $3,426, up 1.7% from the year before.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Niguel City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,350,000 (+299.71%) Land $1,168,068 Building $181,932 | |
| 2025 | $3,426.00 (+1.66%) | $337,747 Land $157,881 Building $179,866 |
| 2024 | $3,370.00 (+2.18%) | |
| 2023 | $3,298.00 (+1.92%) | $324,633 Land $151,750 Building $172,883 |
| 2022 | $3,236.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3 Treethorne Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 Claims | 1 (1997) |
| Most Recent Claim | Dec 1997 · river or lake 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 risk around 3 Treethorne Cir is moderate, ranking above 58% 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 58% of the US · lower than 65% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 189 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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