38 Torosa, Lake Forest, CA 92630 Property Records

Orange County property record for 38 Torosa, Lake Forest, CA 92630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,133 sqft · built 2017
Lot Size	0.092 acres (4,023 sqft)
Owner	2 Individual Names on File
Last Sale	$893,000 (Oct 2017)
Tax Bill	$10,664 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`610-641-50`

Property Details

APN / Parcel Number

Primary APN	`610-641-50`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,133 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	4,023 sqft (0.092 acres)
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38 TOROSA
City	LAKE FOREST
State	CA
Zip	92630-8911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 17542 BLK LOT 55
Legal Subdivision	TRACT NO 17542
Legal Tract	17542
Legal Lot Number	55
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2006
Census Tract	52422

Owner

38 Torosa is owned and occupied by two individuals who bought it in October 2017.

Source: Orange County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 TOROSA, LAKE FOREST, CA 92630-8911
Occupancy	Owner Occupied
Owner Type	Individual

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 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Oct 24, 2017	Grant Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Deed Document Number	2017450543
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	38 TOROSA, LAKE FOREST, CA 92630-8911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 TOROSA, LAKE FOREST, CA 92630-8911

Mortgage

Document Number	0000541578
Date	Oct 1, 2020
Instrument	2020000541578

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	38 TOROSA, LAKE FOREST, CA 92630-8911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025126
Date	Jan 21, 2020
Instrument	2020000025126

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 24, 2017
Property Address	38 TOROSA, LAKE FOREST, CA 92630-8911
Document Number	0000450543
Map Reference	MB956 PG31-35
Instrument Date	Oct 2, 2017
Instrument	2017000450543
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WESTMINSTER 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	38 TOROSA, LAKE FOREST, CA 92630-8911

Mortgage

Document Number	0000450544
Date	Oct 24, 2017
Instrument	2017000450544

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38 Torosa was $10,664 with a homeowner's exemption.

Source: Orange County assessment roll, as of August 6, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Lake Forest City
Unified School District	Saddleback Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$10,664.00 Homeowner's exemption	$1,015,673 Land $582,785 Building $432,888
2023	$10,223.00 (+1.83%) Homeowner's exemption	$976,234 Land $560,155 Building $416,079
2022	$10,039.00

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

Flood

FEMA maps place 38 Torosa in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 Torosa is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.3% 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	IRVINE RANCH WATER DISTRICT serves 450,323 people · EPA ID CA3010092
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

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