7 Stream St, Laguna Niguel, CA 92677 Property Records

Orange County property record for 7 Stream St, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,133 sqft · built 1986
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Sep 2021)
Tax Bill	$7,940 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`649-462-12`

Property Details

APN / Parcel Number

Primary APN	`649-462-12`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,133 sqft Living Area
Gross Area	1,563 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,000 sqft (0.069 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	7 STREAM ST
City	LAGUNA NIGUEL
State	CA
Zip	92677-5707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12460 BLK LOT 86
Legal Subdivision	TRACT 12460
Legal Tract	12460
Legal Lot Number	86
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3004
Census Tract	42331

Owner

7 Stream St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
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
Dec 23, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 10, 2021	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Oct 30, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Deed Document Number	2021566852
Prior Transfer Date	Oct 24, 2019
Prior Transfer Doc	0000428966
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707

Mortgage

Document Number	0000354605
Date	Dec 23, 2025
Instrument	2025000354605

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 10, 2021
Property Address	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000566852
Map Reference	MB 546 PG 41-45
Instrument Date	Sep 7, 2021
Instrument	2021000566852
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	LAWYERS TITLE

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	Community Property
Address	1833 S EL CAMINO REAL, SAN CLEMENTE, CA 92672-3245

Mortgage

Document Number	0000566853
Date	Sep 10, 2021
Instrument	2021000566853

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Oct 30, 2019
Property Address	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707
Document Number	0000428966
Map Reference	MB 546 PG 41-45
Instrument Date	Oct 24, 2019
Instrument	2019000428966
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	CORINTHIAN TITLE

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	7 STREAM ST, LAGUNA NIGUEL, CA 92677-5707

Mortgage

Document Number	0000428967
Date	Oct 30, 2019
Instrument	2019000428967

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 7 Stream St was $7,940, up 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$800,998 (+2%) Land $677,409 Building $123,589
2025	$7,940.00 (+1.69%)	$785,293 Land $664,127 Building $121,166
2024	$7,808.00 (+2.17%)
2023	$7,642.00 (+1.93%)	$754,800 Land $638,338 Building $116,462
2022	$7,497.00

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

Flood

FEMA maps place 7 Stream St in Zone X, an area of minimal flood risk.

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	2 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

The area around 7 Stream 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	MOULTON NIGUEL WATER DISTRICT serves 168,315 people · EPA ID CA3010073
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
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 584 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

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

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