8 Paniolo Rd, Ladera Ranch, CA 92694 Property Records

Orange County property record for 8 Paniolo Rd, Ladera Ranch, CA 92694

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,225 sqft · built 2014
Lot Size	0.334 acres (14,576 sqft)
Owner	Trust Name on File
Last Sale	$2,427,500 (Jun 2018)
Tax Bill	$35,675 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`741-433-56`

Property Details

APN / Parcel Number

Primary APN	`741-433-56`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Building Area	4,225 sqft Living Area

Exterior

Year Built	Built 2014
Lot Area	14,576 sqft (0.334 acres)
Garage Area	710 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	8 PANIOLO RD
City	LADERA RANCH
State	CA
Zip	92694-1568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 16586 BLK LOT 79 TRACT 16586 LOT 79 POR OF LOT
Legal Tract	16586
Legal Lot Number	79
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	1
Census Block	1007
Census Tract	32058

Owner

8 Paniolo Rd is owner-occupied and held in a trust since June 2018.

Source: Orange County records, as of November 17, 2025

Owner of Record	Trust Name on File
Mailing Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 10, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
May 14, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jun 27, 2018	Grant Deed, Transfer OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2018 · Amount on File
Deed Sale	Jun 27, 2018 · Amount on File
Prior Sale	Aug 1, 2014 · Amount on File
Deed Document Number	2018000236612
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000338852
Date	Aug 10, 2017
Instrument	2017000338852

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000338851
Date	Aug 10, 2017
Instrument	2017000338851

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000160537
Date	May 14, 2019
Instrument	2019000160537

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568

Mortgage

Document Number	0000584448
Date	Sep 21, 2021
Instrument	2021000584448

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	8.5%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 27, 2018
Property Address	8 PANIOLO RD, LADERA RANCH, CA 92694-1568
Document Number	0000236612
Instrument Date	Apr 30, 2018
Instrument	236612
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,670.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8 PANIOLO RD LADERA RANCH CA 926941568, LADERA RANCH, CA 92694-1568

Mortgage

Document Number	236613
Date	Jun 27, 2018
Instrument	236613

Lender

Name	OPES ADVISORS
Address	5151 CORPORATE DR, TROY, MI 48098-2639

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 8 Paniolo Rd was $35,675 with a homeowner's exemption.

Source: Orange County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$35,675.00 Homeowner's exemption	$2,762,078 Land $1,503,833 Building $1,258,245
2023	$34,362.00 (+0.8%) Homeowner's exemption	$2,654,824 Land $1,445,437 Building $1,209,387
2022	$34,088.00

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

Flood

FEMA maps place 8 Paniolo Rd 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 8 Paniolo Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
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 202 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

May also be available: AT&T, T-Mobile.

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