3 Whitecliff, Laguna Niguel, CA 92677 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,515 sqft · built 1994
Lot Size	0.367 acres (16,000 sqft)
Owner	Company Name on Record
Last Sale	$889,000 (Aug 2009)
Tax Bill	$12,150 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`673-662-26`

Property Details

APN / Parcel Number

Primary APN	`673-662-26`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,515 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	16,000 sqft (0.367 acres)
Garage Area	611 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	3 WHITECLIFF
City	LAGUNA NIGUEL
State	CA
Zip	92677-9236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12963 BLK LOT 25
Legal Subdivision	TRACT NO 12963
Legal Tract	12963
Legal Lot Number	25
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2007
Census Tract	42337

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Dec 16, 2022	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2009 · Amount on Record
Deed Sale	Aug 3, 2009 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Document Number	2009416159
Last Transfer Date	Jun 15, 2020
Transfer Doc	0000376648
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236

Mortgage

Document Number	0000068802
Date	Mar 10, 2026
Instrument	2026000068802

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 26, 2056

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	DOMA TITLE OF CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WHITECLIFF LAGUNA NIGUEL, LAGUNA BEACH, CA 92677

Mortgage

Document Number	0000410347
Date	Dec 16, 2022
Instrument	2022000410347

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000225523
Date	Jun 26, 2019
Instrument	2019000225523

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 3, 2020
Property Address	3 WHITECLIFF, LAGUNA NIGUEL, CA 92677-9236
Document Number	0000376648
Instrument Date	Jun 15, 2020
Instrument	376648
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3 WHITECLIFF LAGUNA NIGUEL CA 926779236, LAGUNA NIGUEL, CA 92677-9236

Tax Assessment & Valuation

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		$1,226,860 (+2%) Land $781,251 Building $445,609
2025	$12,150.00 (+3.89%)	$1,202,804 (+4.04%) Land $765,932 Building $436,872
2023	$11,695.00 (+1.94%)	$1,156,099 Land $736,191 Building $419,908
2022	$11,472.00

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

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 510 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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