7428 Laura St, Downey, CA 90242 Property Records

Los Angeles County property record for 7428 Laura St, Downey, CA 90242

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1950
Lot Size	0.14 acres (6,092 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Nov 1999)
Tax Bill	$3,545 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`6246-021-011`

Property Details

APN / Parcel Number

Primary APN	`6246-021-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1973
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	6,092 sqft (0.14 acres)
Lot Dimensions	128 ft deep x 51 ft wide

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	7428 LAURA ST
City	DOWNEY
State	CA
Zip	90242-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DOR15000*
Legal Description	RANCHO SANTA GERTRUDES SUBDIVIDED FOR TH E SANTA GERTRUDES LAND ASSN LOT COM S 59 1812 E 308.75 FT AND S 32 04 W 2 2 FT FROM MOST N COR OF LOT B TH S 59 18 12 E 52 FT WITH A UNIFORM DEPTH OF 128 FT S 32 04 W POR OF LOT B
Legal Subdivision	RANCHO SANTA GERTRUDES
Legal Block	1
Legal Lot Number	B
Jurisdiction	LOS ANGELES CA
Township / Civil Division	DOWNEY-NORWALK
Census Block Group	1
Census Block	1009
Census Tract	551501

Owner

7428 Laura St is owned and occupied by an individual who acquired it in November 2020.

Source: Los Angeles County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	7428 LAURA ST, DOWNEY, CA 90242-2106
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
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Dec 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage JMJ FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 1999 · Amount on File
Deed Sale	Nov 1, 1999 · Amount on File
Prior Sale	Oct 29, 1993
Deed Document Number	19992039210
Last Transfer Date	Nov 12, 2020
Transfer Doc	0001544996
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOS ANGELES CA
Recording Date	Apr 20, 2026
Property Address	7428 LAURA ST, DOWNEY, CA 90242-2106
Document Number	0000273960
Instrument Date	Apr 13, 2026
Instrument	2026273960
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7428 LAURA ST, DOWNEY, CA 90242-2106

Mortgage

Document Number	0000273960,
Date	Apr 20, 2026
Instrument	2026273960

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOS ANGELES CA
Property Address	7428 LAURA ST, DOWNEY, CA 90242-2106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000683742
Date	Jun 21, 2017
Instrument	17-0683742

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2037

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOS ANGELES CA
Recording Date	Dec 1, 2020
Property Address	7428 LAURA ST, DOWNEY, CA 90242-2106
Document Number	0001544996
Map Reference	MB 1 PG 502
Instrument Date	Nov 12, 2020
Instrument	20-1544996
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	TICOR 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	7428 LAURA ST, DOWNEY, CA 90242-2106

Mortgage

Document Number	0001544997
Date	Dec 1, 2020
Instrument	20-1544997

Lender

Name	JMJ FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 7428 Laura St was $3,545 with a homeowner's exemption, up 2.3% from the year before.

Source: Los Angeles County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	California
County	Los Angeles County
Municipality	Downey City
Unified School District	Downey Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$266,479 (+2%) Land $189,208 Building $77,271
2025	$3,545.00 (+2.31%) Homeowner's exemption	$261,255 Land $185,499 Building $75,756
2024	$3,465.00 (+3.37%)
2023	$3,352.00 (+5.08%) Homeowner's exemption	$251,112 Land $178,297 Building $72,815
2022	$3,190.00

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

Flood

FEMA maps place 7428 Laura St in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective September 30, 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 Claims	1 (2000)
Most Recent Claim	Apr 2000

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 7428 Laura 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	DOWNEY - CITY, WATER DEPT. serves 110,556 people · EPA ID CA1910034
Water Source	Groundwater
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Feb 2018
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 784 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, Starry.

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