428 S Orange St, Orange, CA 92866 Property Records

Orange County property record for 428 S Orange St, Orange, CA 92866

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,374 sqft · built 1986
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on File
Last Sale	$1,563,000 (Sep 2025)
Tax Bill	$3,275 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390-411-19`

Property Details

APN / Parcel Number

Primary APN	`390-411-19`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,374 sqft Living Area
Basement Area	80 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Victorian
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.145 acres)
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	428 S ORANGE ST
City	ORANGE
State	CA
Zip	92866-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	A TR RESUB GRAND AVE ADD BLK B LOT 6
Legal Subdivision	GRAND AVE ADD
Legal Tract	639
Legal Block	B
Legal Lot Number	6
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	5
Census Block	5014
Census Tract	75902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Old Towne Orange Historic District listed 1997 · 1,237 contributing resources · NRIS 97000617

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

428 S Orange St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 S ORANGE ST, ORANGE, CA 92866-1912
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 30, 2025	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 5, 2021	Intrafamily Transfer, Transfer
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Oct 1, 2015 · Amount on File
Deed Document Number	2025268301
Transfer Doc	0000250573
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 30, 2025
Property Address	428 S ORANGE ST, ORANGE, CA 92866-1912
Document Number	0000268301
Map Reference	MB 3 PG 14
Instrument Date	Aug 12, 2025
Instrument	2025000268301
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	CHICAGO TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 S ORANGE ST, ORANGE, CA 92866-1912

Mortgage

Document Number	0000268302
Date	Sep 30, 2025
Instrument	2025000268302

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	428 S ORANGE ST, ORANGE, CA 92866-1912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CONSUMERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 S ORANGE ST, ORANGE, CA 92866-1912

Mortgage

Document Number	0000450331
Date	Aug 31, 2020
Instrument	2020000450331

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Apr 5, 2021
Property Address	428 S ORANGE ST, ORANGE, CA 92866-1912
Document Number	0000230959
Map Reference	MB 3 PG 14
Instrument Date	Jul 17, 2020
Instrument	2021000230959
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	428 S ORANGE ST, ORANGE, CA 92866-1912

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	428 S ORANGE ST, ORANGE, CA 92866-1912
Document Number	0000459458
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	428 S ORANGE ST ORANGE CA 928661912, ORANGE, CA 92866-1912

Mortgage

Document Number	0000459458
Date	Nov 19, 2019
Instrument	459458

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 428 S Orange St was $3,275, up 10.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$279,116 (+3.02%) Land $195,381 Building $83,735
2025	$3,275.00 (+10.16%)	$270,935 Land $189,654 Building $81,281
2024	$2,973.00 (-2.62%)
2023	$3,053.00 (-13.37%)	$253,464 Land $177,425 Building $76,039
2022	$3,524.00

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.

Flood

FEMA maps place 428 S Orange St 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)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · 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

The area around 428 S Orange St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	CITY OF ORANGE serves 120,770 people · EPA ID CA3010027
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cosmo Network Solutions Fixed Wireless	350 / 150
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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