1012 Emerald Bay, Laguna Beach, CA 92651 Property Records

Orange County property record for 1012 Emerald Bay, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,023 sqft · built 2001
Lot Size	0.191 acres (8,322 sqft)
Owner	Company Name on Record
Last Sale	$5,974,000 (Mar 2006)
Tax Bill	$81,330 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-320-62`

Property Details

APN / Parcel Number

Primary APN	`053-320-62`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,023 sqft Living Area
1st Floor Area	3,023 sqft
Basement Area	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	8,322 sqft (0.191 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 EMERALD BAY
City	LAGUNA BEACH
State	CA
Zip	92651-1290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 3125 BLK LOT 71
Legal Tract	3125
Legal Lot Number	71
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2034
Census Tract	62656

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	20 CORPORATE PLAZA DR, NEWPORT BEACH, CA 92660-7901
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · Line of Credit EVERTRUST BANK
Jul 2, 2019	Loan Modification, Mortgage CATHAY BK
Jun 19, 2017	Deed of Trust, Mortgage CATHAY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2006 · Amount on Record
Deed Sale	Mar 28, 2006 · Amount on Record
Prior Sale	Jun 25, 2002 · Amount on Record
Deed Document Number	2006201769
Prior Transfer Date	Nov 29, 2004
Prior Transfer Doc	0001096422
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1012 EMERALD BAY, LAGUNA BEACH, CA 92651-1274
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CORPORATE PLAZA DRIVE, SAN DIEGO, CA 92122

Mortgage

Document Number	0000457839
Date	Sep 1, 2020
Instrument	2020000457839

Lender

Name	EVERTRUST BANK
Type	Bank
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	1012 EMERALD BAY, LAGUNA BEACH, CA 92651-1274
Document Number	0000272606
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1012 EMERALD BAY LAGUNA BEACH CA 926511274, LAGUNA BEACH, CA 92651-1274

Mortgage

Document Number	0000272606
Date	Jul 29, 2019
Instrument	272606

Lender

Name	CATHAY BK
Type	Bank
Address	9650 FLAIR DR # 7TH, EL MONTE, CA 91731-3005

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jul 28, 2021

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1012 EMERALD BAY, LAGUNA BEACH, CA 92651-1274
Document Number	0000261945
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 CORPORATE PLAZA DR NEWPORT BEACH CA 926607901, NEWPORT BEACH, CA 92660-7901

Mortgage

Document Number	0000261945
Date	Jun 26, 2017
Instrument	261945

Lender

Name	CATHAY BK
Type	Bank
Address	9650 FLAIR DR # 7TH, EL MONTE, CA 91731-3005

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$8,163,990 (+2%) Land $7,160,451 Building $1,003,539
2025	$81,330.00 (+3.91%)	$8,003,912 (+28.93%) Land $7,020,050 Building $983,862
2024	$78,266.00 (+24.49%)
2023	$62,868.00 (+1.91%)	$6,208,066 Land $5,368,482 Building $839,584
2022	$61,689.00

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
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 92 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: T-Mobile.

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