4 Mountain Gate, Trabuco Canyon, CA 92679 Property Records

Orange County property record for 4 Mountain Gate, Trabuco Canyon, CA 92679

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,781 sqft · built 1993
Lot Size	0.327 acres (14,250 sqft)
Owner	2 Company Names on File
Last Sale	$620,000 (Mar 1999)
Tax Bill	$8,146 (2025)
Deeds & Mortgages	Oct 2026 Reverse Mortgage May 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`804-401-51`

Property Details

APN / Parcel Number

Primary APN	`804-401-51`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,781 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	14,250 sqft (0.327 acres)
Garage Area	585 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	4 MOUNTAIN GATE
City	TRABUCO CANYON
State	CA
Zip	92679-4836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13381 BLK LOT 11
Legal Subdivision	TRACT NO 13381
Legal Tract	13381
Legal Lot Number	11
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	4
Census Block	4015
Census Tract	32044

Owner

4 Mountain Gate is owned by a company that acquired it in October 2024 and is owner-occupied.

Source: Orange County records, as of October 19, 2026

Owner of Record	2 Company Names on File
Mailing Address	4 MOUNTAIN GATE, TRABUCO CANYON, CA 92679-4836
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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 9, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage ALLIANCE PORTFOLIO
Jul 13, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage COMMERCE HOME MORTGAGE LLC
Nov 21, 2019	Deed of Trust, Mortgage · VA Mortgage WEST COAST FUNDING & REAL ESTATE SVCS
Aug 3, 2018	Loan Modification, Mortgage US BK NA SERIES 2006-AR-5 (CE)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 1999 · Amount on File
Deed Sale	Mar 31, 1999 · Amount on File
Prior Sale	Mar 9, 1999 · Amount on File
Deed Document Number	1999238289
Last Transfer Date	Oct 1, 2024
Transfer Doc	0000261016
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Oct 9, 2026
Property Address	4 MOUNTAIN GATE, TRABUCO CANYON, CA 92679-4836
Document Number	0000283649
Instrument Date	Sep 23, 2026
Instrument	2026283649
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	4 MOUNTAIN GATE, TRABUCO CANYON, CA 92679-4836

Mortgage

Document Number	0000283649,
Date	Oct 9, 2026
Instrument	2026283649

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	985 Months
Due	Nov 24, 2108

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836
Transaction Type	Mortgage
Record Updated	May 24, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836

Mortgage

Document Number	0000181114
Date	May 13, 2022
Instrument	2022000181114

Lender

Name	ALLIANCE PORTFOLIO
Type	Private Party
Address	120 VANTIS DR STE 515, ALISO VIEJO, CA 92656

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	25 Months
Due	Jun 1, 2024

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MOUNTAIN GATE, TRABUCO, CA 92679-4836

Mortgage

Document Number	0000448544
Date	Jul 13, 2021
Instrument	2021000448544

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836

Mortgage

Document Number	0000535785
Date	Sep 30, 2020
Instrument	2020000535785

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836
Document Number	0000493730
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 MOUNTAIN GATE COTO DE CAZA CA 926794836, COTO DE CAZA, CA 92679-4836

Mortgage

Document Number	0000493730
Date	Nov 26, 2019
Instrument	493730

Lender

Name	WEST COAST FUNDING & REAL ESTATE SVCS
Type	Bank
Address	4275 EXECUTIVE SQ # 410, LA JOLLA, CA 92037-1477

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	4 MOUNTAIN GATE, COTO DE CAZA, CA 92679-4836
Document Number	0000309698
Instrument Date	Aug 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 MOUNTAIN GATE COTO DE CAZA CA 926794836, COTO DE CAZA, CA 92679-4836

Mortgage

Document Number	0000309698
Date	Aug 23, 2018
Instrument	309698

Lender

Name	US BK NA SERIES 2006-AR-5 (CE)
Address	ST PAUL, MN 55107

Agreement

Amount	Amount on Record
Term	216 Months
Due	Aug 22, 2036

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Mountain Gate was $8,146 with a veteran's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$991,418 (+2%) Land $506,088 Building $485,330
2025	$8,146.00	$971,979 Land $496,165 Building $475,814
2023	$7,863.00 (+1.37%) Disabled Person's exemption Veteran's exemption	$934,237 Land $476,898 Building $457,339
2022	$7,757.00

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

Flood

FEMA maps place 4 Mountain Gate in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2017–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2025 · rainfall accumulation

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 4 Mountain Gate is high, ranking above 80% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
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 114 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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