20475 Upper Bay Dr, Newport Beach, CA 92660 Property Records

Orange County property record for 20475 Upper Bay Dr, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,493 sqft · built 2022
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$1,300,000 (Sep 2020)
Tax Bill	$22,011 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`439-041-25`

Property Details

APN / Parcel Number

Primary APN	`439-041-25`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,493 sqft Living Area
1st Floor Area	2,493 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	7,200 sqft (0.165 acres)
Garage Area	403 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20475 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 2
Legal Subdivision	TRACT NO 6407
Legal Tract	6407
Legal Lot Number	2
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	Individual Name on Record
Mailing Address	20475 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Grant Deed, Transfer · Conventional Mortgage BNY MELLON NA
Sep 29, 2020	Affidavit of Death, Transfer NORTH AMERICAN TITLE
Sep 29, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	2020533784
Prior Transfer Date	Mar 25, 2010
Prior Transfer Doc	0000291087
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 29, 2020
Property Address	20475 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000533784
Map Reference	MB 237 PG 40&41
Instrument Date	Sep 26, 2020
Instrument	2020000533784
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2800 W OCEANFRONT, NEWPORT BEACH, CA 92663-3427

Mortgage

Document Number	0000533785
Date	Sep 29, 2020
Instrument	2020000533785

Lender

Name	BNY MELLON NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ORANGE CA
Recording Date	Sep 29, 2020
Property Address	20475 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000533782
Instrument Date	Sep 23, 2020
Instrument	533782
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 29, 2020
Property Address	20475 UPPER BAY DR, NEWPORT BEACH, CA 92660-0741
Document Number	0000533783
Instrument Date	Sep 22, 2020
Instrument	533783
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20475 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		$2,056,980 (+2%) Land $1,214,488 Building $842,492
2025	$22,011.00 (+16.49%)	$2,016,648 (+16.74%) Land $1,190,675 Building $825,973
2023	$18,895.00 (+28.65%)	$1,727,478 Land $1,144,440 Building $583,038
2022	$14,687.00

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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