20451 Upper Bay Dr, Newport Beach, CA 92660 Property Records

Orange County property record for 20451 Upper Bay Dr, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,595 sqft · built 1967
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,380,000 (Dec 2019)
Tax Bill	$16,694 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`439-041-27`

Property Details

APN / Parcel Number

Primary APN	`439-041-27`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,595 sqft Living Area
Gross Area	3,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	7,200 sqft (0.165 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20451 UPPER BAY DR
City	NEWPORT BEACH
State	CA
Zip	92660-0741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 6407 BLK LOT 4
Legal Subdivision	TRACT NO 6407
Legal Tract	6407
Legal Lot Number	4
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	2
Census Block	2005
Census Tract	63101

Owner

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	2 Individual Names on Record
Mailing Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Dec 20, 2019	Grant Deed, Transfer BANK OF AMERICA
Nov 15, 2019	Grant Deed, Transfer · Construction Mortgage TRILION CAP FUND LLC
Nov 15, 2019	Grant Deed, Transfer EQUITY TITLE COMPANY, EQUITY TITLE CO.
Sep 16, 2019	Affidavit of Death, Transfer NOT AVAILABLE
Apr 10, 2017	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Nov 15, 2019 · Amount on Record
Deed Document Number	2019536086
Last Transfer Date	Oct 8, 2020
Transfer Doc	0000597611
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741

Mortgage

Document Number	0000208413
Date	Aug 28, 2023
Instrument	2023000208413

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741

Mortgage

Document Number	0000492223
Date	Aug 4, 2021
Instrument	2021000492223

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 20, 2019
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000536086
Instrument Date	Dec 19, 2019
Instrument	536086
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,518.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20451 UPPER BAY DR NEWPORT BEACH CA 926600741, NEWPORT BEACH, CA 92660-0741

Mortgage

Document Number	536087
Date	Dec 20, 2019
Instrument	536087

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 15, 2019
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000456652
Instrument Date	Oct 31, 2019
Instrument	456652
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,318.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3943 IRVINE BLVD #404 IRVINE CA 926022400, 404, IRVINE, CA 92602-2400

Mortgage

Document Number	456653
Date	Nov 15, 2019
Instrument	456653

Lender

Name	TRILION CAP FUND LLC
Address	12636 HIGH BLUFF DR # 400, SAN DIEGO, CA 92130-2071

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 14, 2020

Mortgage

Document Number	456654,
Date	Nov 15, 2019
Instrument	456654

Lender

Name	GARDNER FAMILY LIVING TR (RT)
Address	8541 MOSSFORD DR, HUNTINGTON BEACH, CA 92646-3944

Agreement

Amount	Amount Recorded

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 15, 2019
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000456222
Instrument Date	Oct 18, 2019
Instrument	456222
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$1,303.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3 HUTTON CENTRE DR #670 SANTA ANA CA 927075788, 670, SANTA ANA, CA 92707-5788
Investor	Possibly a Property Investor

September 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ORANGE CA
Recording Date	Sep 16, 2019
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000352055
Instrument Date	Sep 10, 2019
Instrument	352055
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2402 BAY FARM PL NEWPORT BEACH CA 926600703, NEWPORT BEACH, CA 92660-0703

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 10, 2017
Property Address	20451 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000142955
Instrument Date	Apr 4, 2017
Instrument	142955
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20451 UPPER BAY DR NEWPORT BEACH CA 926600741, NEWPORT BEACH, CA 92660-0741

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		$1,539,412 (+2%) Land $1,365,836 Building $173,576
2025	$16,694.00 (+1.74%)	$1,509,228 (+4.04%) Land $1,339,055 Building $170,173
2024	$16,408.00 (+2.59%)
2023	$15,993.00 (+1.87%)	$1,450,624 Land $1,287,058 Building $163,566
2022	$15,699.00

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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