192 Emerald Bay, Laguna Beach, CA 92651 Property Records

Orange County property record for 192 Emerald Bay, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,186 sqft · built 2000
Lot Size	0.215 acres (9,375 sqft)
Owner	Trust Name on File
Last Sale	$6,650,000 (Aug 2003)
Tax Bill	$95,999 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jul 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`053-040-20`

Property Details

APN / Parcel Number

Primary APN	`053-040-20`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,186 sqft Living Area
Basement Area	2,202 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	9,375 sqft (0.215 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	192 EMERALD BAY
City	LAGUNA BEACH
State	CA
Zip	92651-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1104 BLK LOT 17
Legal Subdivision	SUBDIVISION 1 OF EMERALD BAY
Legal Tract	1104
Legal Lot Number	17
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2023
Census Tract	62656

Owner

192 Emerald Bay is owner-occupied and held in a trust since January 2022.

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

Owner of Record	Trust Name on File
Mailing Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209
Occupancy	Owner Occupied
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
Jan 13, 2022	Intrafamily Transfer, Transfer
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Apr 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage CITY NATIONAL BANK
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2003 · Amount on File
Deed Sale	Aug 28, 2003 · Amount on File
Prior Sale	Dec 20, 1996 · Amount on File
Deed Document Number	20031042178
Last Transfer Date	Jan 3, 2022
Transfer Doc	0000017533
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 13, 2022
Property Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209
Document Number	0000017533
Map Reference	MB 35 PG 42&43
Instrument Date	Jan 3, 2022
Instrument	2022000017533
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000314237
Date	Jul 31, 2017
Instrument	2017000314237

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	EL SEGUNDO, CA 90245

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147104
Date	Apr 25, 2018
Instrument	2018000147104

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	192 EMERALD BAY, LAGUNA BEACH, CA 92651-1209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056868
Date	Feb 11, 2020
Instrument	2020000056868

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 192 Emerald Bay was $95,999 with a homeowner's exemption.

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		$9,644,049 (+2%) Land $8,018,799 Building $1,625,250
2025	$95,999.00 Homeowner's exemption	$9,454,950 Land $7,861,567 Building $1,593,383
2023	$91,949.00 (+1.91%) Homeowner's exemption	$9,087,803 Land $7,556,292 Building $1,531,511
2022	$90,223.00

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

Flood

FEMA maps place 192 Emerald Bay in Zone X, an area of minimal 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 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 File 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

Wildfire risk around 192 Emerald Bay is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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 89 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.

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