55 Montecilo, Foothill Ranch, CA 92610 Property Records

Orange County property record for 55 Montecilo, Foothill Ranch, CA 92610

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,416 sqft · built 1993
Lot Size	0.098 acres (4,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jul 2025)
Tax Bill	$7,895 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`601-181-47`

Property Details

APN / Parcel Number

Primary APN	`601-181-47`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,416 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	4,263 sqft (0.098 acres)
Garage Area	569 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	55 MONTECILO
City	FOOTHILL RANCH
State	CA
Zip	92610-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13754 BLK LOT 62
Legal Subdivision	TRACT NO 13754
Legal Tract	13754
Legal Lot Number	62
Jurisdiction	ORANGE CA
Township / Civil Division	IRVINE-LAKE FOREST
Census Block Group	3
Census Block	3005
Census Tract	52430

Owner

Source: Orange County records, as of April 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage WATER & POWER COMMUNITY CU
Jun 5, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on Record
Deed Sale	Jul 22, 2025 · Amount on Record
Prior Sale	Jan 25, 2010 · Amount on Record
Deed Document Number	2025204212
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734

Mortgage

Document Number	0000091974
Date	Mar 31, 2026
Instrument	2026000091974

Lender

Name	WATER & POWER COMMUNITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90012

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2036
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year T-Bill
Margin	2
Max Rate	10%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000256082
Date	Jun 5, 2020
Instrument	2020000256082

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 MONTECILO, FOOTHILL RANCH, CA 92610-1734

Mortgage

Document Number	0000176243
Date	Mar 15, 2021
Instrument	2021000176243

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$7,895.00 (+1.86%)	$761,578 (+4.04%) Land $461,733 Building $299,845
2024	$7,751.00 (+2.43%)
2023	$7,567.00 (+1.83%) Homeowner's exemption	$732,006 Land $443,804 Building $288,202
2022	$7,431.00

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 · 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 Policies	1 in force

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

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect 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	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 824 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: Xfinity.

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