4550 Montecito Dr, La Palma, CA 90623 Property Records

Orange County property record for 4550 Montecito Dr, La Palma, CA 90623

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,334 sqft · built 1995
Owner	2 Individual Names on File
Last Sale	$530,000 (Dec 2018)
Tax Bill	$6,903 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`930-235-15`

Property Details

APN / Parcel Number

Primary APN	`930-235-15`
Alternative APN	`263-343-31`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,334 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4550 MONTECITO DR
City	LA PALMA
State	CA
Zip	90623-1674
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	N TR 15061 BLK LOT 1 UN 37 TRACT 15061, POR. OF LOT 1 OF PROJECT 930-23
Legal Subdivision	MONTECITO
Legal Tract	15061
Legal Lot Number	1
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	1
Census Block	1008
Census Tract	110116

Owner

4550 Montecito Dr, a condominium, is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674
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
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage ORANGE COUNTY FEDERAL CREDIT UNION
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit ORANGE COUNTYS CU
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 21, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Prior Sale	Mar 20, 2001 · Amount on File
Deed Document Number	2018476377
Prior Transfer Date	Jul 17, 1995
Prior Transfer Doc	0000325773
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Jun 25, 2026
Property Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674
Document Number	0000183366
Instrument Date	Jun 20, 2026
Instrument	2026183366
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674

Mortgage

Document Number	0000183366,
Date	Jun 25, 2026
Instrument	2026183366

Lender

Name	ORANGE COUNTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 27, 2041

Interest

Rate Type	Fixed Rate
Rate	5.85%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674
Transaction Type	Mortgage
Record Updated	Oct 11, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674

Mortgage

Document Number	0000320950
Date	Sep 30, 2022
Instrument	2022000320950

Lender

Name	ORANGE COUNTYS CU
Type	Credit Union
Address	SANTA ANA, CA 92705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674

Mortgage

Document Number	0000772585
Date	Dec 29, 2020
Instrument	2020000772585

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 21, 2018
Property Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674
Document Number	0000476377
Map Reference	MB 725 PG 35-38
Instrument Date	Dec 17, 2018
Instrument	2018000476377
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TIMIOS TITLE A CALIFORNIA CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4550 MONTECITO DR, LA PALMA, CA 90623-1674

Mortgage

Document Number	0000476378
Date	Dec 21, 2018
Instrument	2018000476378

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4550 Montecito Dr was $6,903 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	La Palma City
Secondary School District	Anaheim Union High School District (07 - 12)
Elementary School District	Cypress Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$603,047 (+2%) Land $413,534 Building $189,513
2025	$6,903.00 Homeowner's exemption	$591,223 Land $405,425 Building $185,798
2023	$6,453.00 (+1.18%) Homeowner's exemption	$568,266 Land $389,682 Building $178,584
2022	$6,378.00

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

Flood

FEMA maps place 4550 Montecito Dr in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 1998.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And 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 4550 Montecito Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 711 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

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

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