20262 Spruce Ave, Newport Beach, CA 92660 Property Records

Orange County property record for 20262 Spruce Ave, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,210 sqft · built 2006
Lot Size	0.186 acres (8,100 sqft)
Owner	Company Name on Record
Last Sale	$402,000 (Aug 2001)
Tax Bill	$15,636 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`439-034-22`

Property Details

APN / Parcel Number

Primary APN	`439-034-22`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,210 sqft Living Area
1st Floor Area	3,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	8,100 sqft (0.186 acres)
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	20262 SPRUCE AVE
City	NEWPORT BEACH
State	CA
Zip	92660-0738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1506 BLK LOT 25
Legal Subdivision	BAY VIEW HEIGHTS UNIT THREE
Legal Tract	1506
Legal Lot Number	25
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	2
Census Block	2004
Census Tract	63101

Owner

Source: Orange County records, as of September 1, 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	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Dec 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW AMERICAN FUNDING
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage 5TH STREET CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2001 · Amount on Record
Deed Sale	Aug 17, 2001 · Amount on Record
Deed Document Number	2001574411
Last Transfer Date	Sep 22, 2005
Transfer Doc	0000768593
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Aug 24, 2026
Property Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Document Number	0000239285
Instrument Date	Aug 18, 2026
Instrument	2026239285
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738

Mortgage

Document Number	0000239285,
Date	Aug 24, 2026
Instrument	2026239285

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738

Mortgage

Document Number	0000339983
Date	Dec 8, 2025
Instrument	2025000339983

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20262 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738

Mortgage

Document Number	0000701060
Date	Nov 15, 2021
Instrument	2021000701060

Lender

Name	5TH STREET CAPITAL INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2061

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Dec 1, 2026
Change Frequency	Monthly
Min Rate At Change	3.5%
Max Rate At Change	6.75%
Index	Other
Max Rate	9.75%

Tax Assessment & Valuation

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		$1,450,032 (+2.46%) Land $539,767 Building $910,265
2025	$15,636.00 (+1.77%) Homeowner's exemption	$1,415,230 (+4.04%) Land $529,183 Building $886,047
2024	$15,364.00 (+2.62%)
2023	$14,972.00 (+1.89%) Homeowner's exemption	$1,360,276 Land $508,634 Building $851,642
2022	$14,694.00

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Apr 1978 · tidal / storm surge

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cox Communications, GeoLinks.

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