120 E Bay Ave, Newport Beach, CA 92661 Property Records

Orange County property record for 120 E Bay Ave, Newport Beach, CA 92661

Property Summary

Property Type	Multi-Family Dwellings
Details	1,598 sqft · built 1963
Lot Size	0.045 acres (1,943 sqft)
Owner	Trust Name on File
Last Sale	$2,100,000 (Dec 2021)
Tax Bill	$24,183 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2022 Second Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`048-061-15`

Property Details

APN / Parcel Number

Primary APN	`048-061-15`

Interior

Units	2 Units
Stories	2 Stories
Building Area	1,598 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Multi-Family
Lot Area	1,943 sqft (0.045 acres)
Garage Type	Attached
Garage Area	384 sqft

Location & Zoning

Street Address	120 E BAY AVE
City	NEWPORT BEACH
State	CA
Zip	92661-1137
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	A TR EAST NEWPORT BLK A BLK LOT 18
Legal Subdivision	SUBDIVISION OF BLOCK A EAST NEWPORT
Legal Tract	220
Legal Block	A
Legal Lot Number	18
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	3
Census Block	3005
Census Tract	62800

Owner

120 E Bay Ave, a residential property, is held in a trust since December 2021.

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

Owner of Record	Trust Name on File
Mailing Address	25708 HIDDEN OAK CT, VALENCIA, CA 91381-0759
Owner Type	Company
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
Nov 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PFN LENDING GROUP INC
Nov 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLACK HORSE CAPITAL INC
Dec 2, 2021	Grant Deed, Transfer · Conventional Mortgage PRIORITY FINANCIAL NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Aug 13, 2012 · Amount on File
Deed Document Number	2021729416
Prior Transfer Date	May 7, 1996
Prior Transfer Doc	0000242291
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	120 E BAY AVE, NEWPORT BEACH, CA 92661-1137
Transaction Type	Mortgage
Record Updated	Nov 20, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25708 HIDDEN OAK CT, VALENCIA, CA 91381-0759

Mortgage

Document Number	0000303157
Date	Nov 5, 2025
Instrument	2025000303157

Lender

Name	PFN LENDING GROUP INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	120 E BAY AVE, NEWPORT BEACH, CA 92661-1137
Transaction Type	Mortgage
Record Updated	Nov 10, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25708 HIDDEN OAK CT, VALENCIA, CA 91381-0759

Mortgage

Document Number	0000351982
Date	Nov 1, 2022
Instrument	2022000351982

Lender

Name	BLACK HORSE CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 2, 2021
Property Address	120 E BAY AVE, NEWPORT BEACH, CA 92661-1137
Document Number	0000729416
Map Reference	MB 4 PG 51
Instrument Date	Nov 1, 2021
Instrument	2021000729416
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN 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
Address	28977 BUENA VISTA CT, SANTA CLARITA, CA 91354-3020

Mortgage

Document Number	0000729417
Date	Dec 2, 2021
Instrument	2021000729417

Lender

Name	PRIORITY FINANCIAL NETWORK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2061

Tax Assessment & Valuation

The 2025 property tax bill for 120 E Bay Ave was $24,183.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Newport Beach City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,273,106 (+2%) Land $2,066,646 Building $206,460
2025	$24,183.00	$2,228,536 Land $2,026,124 Building $202,412
2023	$23,233.00 (-1.41%)	$2,142,000 Land $1,947,447 Building $194,553
2022	$23,565.00

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

Flood

FEMA maps place 120 E Bay Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 84 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	144 units insured incl. 60 condo units
Nearby Flood Claims	14 (1983–2023)
Claims Outside the SFHA	11 of 14
Most Recent Claim	Mar 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

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 120 E Bay Ave 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	CITY OF NEWPORT BEACH serves 69,520 people · EPA ID CA3010023
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
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 820 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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