1386 Morningside Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 1386 Morningside Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,324 sqft · built 1963
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,310,000 (Mar 2015)
Tax Bill	$17,039 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`644-332-03`

Property Details

APN / Parcel Number

Primary APN	`644-332-03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,324 sqft Living Area
1st Floor Area	2,324 sqft
Basement Area	1,840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Traditional
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	12,600 sqft (0.289 acres)
View / Lot	Good
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1386 MORNINGSIDE DR
City	LAGUNA BEACH
State	CA
Zip	92651-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 3617 BLK LOT 37
Legal Subdivision	TRACT NO. 3617
Legal Tract	3617
Legal Lot Number	37
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1010
Census Tract	62620

Owner

1386 Morningside Dr is owned and occupied by two individuals who bought it in March 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809
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
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit ZB NA
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2015 · Amount on File
Deed Sale	Mar 19, 2015 · Amount on File
Prior Sale	Dec 22, 2004 · Amount on File
Deed Document Number	2015141685
Prior Transfer Date	Feb 28, 1995
Prior Transfer Doc	0000091686
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809
Transaction Type	Mortgage
Record Updated	Mar 22, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809

Mortgage

Document Number	0000052876
Date	Mar 8, 2023
Instrument	2023000052876

Lender

Name	ZB NA
Type	Bank
Address	ENCINITAS, CA 92024

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809

Mortgage

Document Number	0000175531
Date	May 10, 2022
Instrument	2022000175531

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.35%
Type Change Date	Jun 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1386 MORNINGSIDE DR, LAGUNA BEACH, CA 92651-2809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000379768
Date	Oct 19, 2018
Instrument	2018000379768

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1386 Morningside Dr was $17,039.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,605,907 (+2%) Land $1,395,378 Building $210,529
2025	$17,039.00	$1,574,419 Land $1,368,018 Building $206,401
2023	$16,581.00 (+2.3%)	$1,513,284 Land $1,314,897 Building $198,387
2022	$16,209.00

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

Flood

FEMA maps place 1386 Morningside Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.

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 File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	14 (1980–2017)
Claims Outside the SFHA	14 of 14
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 6 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

Wildfire risk around 1386 Morningside Dr is moderate, ranking above 68% 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 68% of the US · above 43% 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	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

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Morningside Dr

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