31971 Mill Stream Rd, Trabuco Canyon, CA 92679 Property Records

Orange County property record for 31971 Mill Stream Rd, Trabuco Canyon, CA 92679

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,507 sqft · built 1987
Lot Size	0.191 acres (8,320 sqft)
Owner	2 Trust Names on File
Last Sale	$743,000 (Oct 2014)
Tax Bill	$9,645 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`833-022-43`

Property Details

APN / Parcel Number

Primary APN	`833-022-43`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,507 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	8,320 sqft (0.191 acres)
Garage Area	669 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	31971 MILL STREAM RD
City	TRABUCO CANYON
State	CA
Zip	92679-3236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 11854 BLK LOT 79
Legal Subdivision	TRACT NO 11854
Legal Tract	11854
Legal Lot Number	79
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	1
Census Block	1001
Census Tract	32042

Owner

31971 Mill Stream Rd is held in a trust since October 2015.

Source: Orange County records, as of September 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Owner Type	Company
Vesting	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
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FEDERAL CREDIT UNION
Sep 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
May 2, 2024	Intrafamily Transfer, Transfer
Jul 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Jul 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2014 · Amount on File
Deed Sale	Oct 2, 2014 · Amount on File
Prior Sale	May 18, 2001 · Amount on File
Deed Document Number	2014401454
Last Transfer Date	Oct 23, 2015
Transfer Doc	0000558612
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Aug 31, 2026
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Document Number	0000245727
Instrument Date	Aug 21, 2026
Instrument	2026245727
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Investor	Possibly a Property Investor

Mortgage

Document Number	0000245727,
Date	Aug 31, 2026
Instrument	2026245727

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

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

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236

Mortgage

Document Number	0000264152
Date	Sep 25, 2025
Instrument	2025000264152

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 24, 2040

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	May 2, 2024
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Document Number	0000109586
Map Reference	MB 507 PG 1-5
Instrument Date	Apr 6, 2024
Instrument	2024000109586
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Transaction Type	Mortgage
Record Updated	Jul 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Investor	Possibly a Property Investor

Mortgage

Document Number	0000170328
Date	Jul 17, 2023
Instrument	2023000170328

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 13, 2038

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236

Mortgage

Document Number	0000581250
Date	Sep 20, 2021
Instrument	2021000581250

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, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000287519
Date	Jul 13, 2017
Instrument	2017000287519

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 13, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31971 MILL STREAM RD, TRABUCO CANYON, CA 92679-3236

Mortgage

Document Number	0000602171
Date	Oct 26, 2020
Instrument	2020000602171

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 31971 Mill Stream Rd was $9,645.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Rancho Santa Margarita City
Unified School District	Saddleback Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$956,350 (+2%) Land $657,102 Building $299,248
2025	$9,645.00	$937,599 Land $644,218 Building $293,381
2023	$9,247.00 (+7.7%)	$901,192 Land $619,202 Building $281,990
2022	$8,586.00

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

Flood

FEMA maps place 31971 Mill Stream Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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
Nearby Flood Claims	1 (1999)
Most Recent Claim	Dec 1999 · 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

Wildfire risk around 31971 Mill Stream Rd is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within 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	TRABUCO CANYON WATER DISTRICT serves 13,659 people · EPA ID CA3010094
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
Lead	4 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 181 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: GeoLinks, T-Mobile, Verizon.

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