Orange County property record for 1285 Ocean Front, Laguna Beach, CA 92651
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 5 bd · 3 ba · 4,846 sqft · built 1955 |
| Lot Size | 0.045 acres (1,944 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $49,245 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-074-22 |
| Primary APN | 644-074-22 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 4,846 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Multi-Family |
| Lot Area | 1,944 sqft (0.045 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Water Source | Commercial |
|---|
| Street Address | 1285 OCEAN FRONT |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3145 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | A TR LAGUNA HEIGHTS # 3 BLK A-52 LAGUNA HEIGHTS # 3 BLK A-52 POR OF BLK |
| Legal Subdivision | LAGUNA HEIGHTS #3 |
| Legal Tract | 415 |
| Legal Block | A |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 62619 |
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 | 321 SNUG HARBOR RD, NEWPORT BEACH, CA 92663-5842 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2009 |
| Deed Sale | May 8, 2009 |
| Prior Sale | Jun 30, 1999 · Amount on Record |
| Deed Document Number | 2009232433 |
| Prior Transfer Date | Oct 10, 1996 |
| Prior Transfer Doc | 0000524126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1285 OCEAN FRONT, LAGUNA BEACH, CA 92651-3145 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000312405 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 2017000312405 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94111 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.35% |
| Type Change Date | Aug 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.95% |
| Index | 1-Year LIBOR |
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Beach City |
| Unified School District | Laguna Beach Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $4,855,425 (+2%) Land $4,754,832 Building $100,593 | |
| 2025 | $49,245.00 (-1.85%) | $4,760,221 (+4.04%) Land $4,661,600 Building $98,621 |
| 2023 | $50,172.00 (+2.29%) | $4,575,377 Land $4,480,584 Building $94,793 |
| 2022 | $49,051.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 30 individual policies |
| Nearby Flood Policies | 77 units insured incl. 47 condo units |
| Nearby Flood Claims | 19 (1988–2026) |
| Claims Outside the SFHA | 9 of 19 |
| Most Recent Claim | Aug 2026 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAGUNA BEACH COUNTY WD serves 18,862 people · EPA ID CA3010017 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 913 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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