445 Palermo, Lake Forest, CA 92630 Property Records

Orange County property record for 445 Palermo, Lake Forest, CA 92630

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 1,834 sqft · built 2021
Owner	Company Name on Record
Last Sale	$773,000 (May 2021)
Tax Bill	$9,114 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jun 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`939-103-39`

Property Details

APN / Parcel Number

Primary APN	`939-103-39`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,834 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	445 PALERMO
City	LAKE FOREST
State	CA
Zip	92630-7620
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	N TR 18189 BLK LOT 1 UN 69 LOT 1 OF TRACT 18189 OF CONDO PROJECT 939-10
Legal Subdivision	TRACT 18189
Legal Tract	18189
Legal Lot Number	1
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	2
Census Block	2000
Census Tract	52425

Owner

Source: Orange County records, as of August 5, 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	181 OSAGE, IRVINE, CA 92618-1161
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Intrafamily Transfer, Transfer
Jun 19, 2023	Intrafamily Transfer, Transfer
Jan 10, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, PROVIDENT TITLE COMPANY
Jan 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA
May 17, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Deed Document Number	2021325542
Last Transfer Date	Dec 22, 2023
Transfer Doc	0000314814
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Dec 22, 2023
Property Address	445 PALERMO, LAKE FOREST, CA 92630-7620
Document Number	0000314814
Map Reference	MB 985 PG 42-46
Instrument Date	Dec 22, 2023
Instrument	2023000314814
Transaction Type	Transfer
Record Updated	Jan 4, 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	181 OSAGE, IRVINE, CA 92618-1161

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jun 19, 2023
Property Address	445 PALERMO, LAKE FOREST, CA 92630-7620
Document Number	0000145579
Map Reference	MB 985 PG 42-46
Instrument Date	Jun 19, 2023
Instrument	2023000145579
Transaction Type	Transfer
Record Updated	Jun 30, 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	Family Trust
Address	181 OSAGE, IRVINE, CA 92618-1161

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 10, 2022
Property Address	445 PALERMO, LAKE FOREST, CA 92630-7620
Document Number	0000011800
Map Reference	MB 985 PG 42-46
Instrument Date	Nov 19, 2021
Instrument	2022000011800
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	NOT AVAILABLE, PROVIDENT TITLE COMPANY

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
Address	445 PALERMO, LAKE FOREST, CA 92630-7620

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 10, 2022
Property Address	445 PALERMO, LAKE FOREST, CA 92630-7620
Document Number	0000011801
Map Reference	MB 985 PG 42-46
Instrument Date	Nov 19, 2021
Instrument	2022000011801
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	NOT AVAILABLE, PROVIDENT TITLE COMPANY

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	Tenants in Common
Address	445 PALERMO, LAKE FOREST, CA 92630-7620

Mortgage

Document Number	0000011802
Date	Jan 10, 2022
Instrument	2022000011802

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	Other
Max Rate	8.87%

May 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	May 17, 2021
Property Address	445 PALERMO, LAKE FOREST, CA 92630-7620
Document Number	0000325542
Map Reference	MB 985 PG 42-46
Instrument Date	Apr 7, 2021
Instrument	2021000325542
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 12, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
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
Address	181 OSAGE, IRVINE, CA 92618-1161

Mortgage

Document Number	0000325543
Date	May 17, 2021
Instrument	2021000325543

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

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
2026		$881,500 (+2%) Land $466,156 Building $415,344
2025	$9,114.00 (+7.77%)	$864,216 (+7.46%) Land $457,016 Building $407,200
2023	$8,457.00 (+1.82%)	$804,217 (+2%) Land $416,316 Building $387,901
2022	$8,306.00	$788,449 Land $408,153 Building $380,296

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

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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	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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Cityside Fiber, GeoLinks.

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