20292 Spruce Ave, Newport Beach, CA 92660 Property Records

Orange County property record for 20292 Spruce Ave, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,009 sqft · built 2019
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Oct 2010)
Tax Bill	$11,900 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`439-034-19`

Property Details

APN / Parcel Number

Primary APN	`439-034-19`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,009 sqft Living Area
1st Floor Area	2,009 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	8,100 sqft (0.186 acres)
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	20292 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 22
Legal Subdivision	BAY VIEW HEIGHTS UNIT THREE
Legal Tract	1506
Legal Lot Number	22
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	2
Census Block	2004
Census Tract	63101

Owner

20292 Spruce Ave is owned and occupied by two individuals who bought it in October 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	20292 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2010 · Amount on File
Deed Sale	Oct 14, 2010 · Amount on File
Prior Sale	Oct 25, 2005 · Amount on File
Deed Document Number	2010539128
Prior Transfer Date	Sep 19, 2006
Prior Transfer Doc	0000656278
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20292 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000278317
Date	Jul 31, 2018
Instrument	2018000278317

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20292 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20292 SPRUCE AVE, NEWPORT BEACH, CA 92660-0738

Mortgage

Document Number	0000665154
Date	Nov 17, 2020
Instrument	2020000665154

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 20292 Spruce Ave was $11,900.

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		$1,072,705 (+2%) Land $706,426 Building $366,279
2025	$11,900.00	$1,051,672 Land $692,574 Building $359,098
2023	$11,382.00 (+1.95%)	$1,010,835 Land $665,681 Building $345,154
2022	$11,164.00

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

Flood

FEMA maps place 20292 Spruce Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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

The area around 20292 Spruce 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 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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