2198 Rural Pl, Costa Mesa, CA 92627 Property Records

Orange County property record for 2198 Rural Pl, Costa Mesa, CA 92627

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,259 sqft · built 1951
Lot Size	0.164 acres (7,138 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Feb 2023)
Tax Bill	$15,259 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`426-121-39`

Property Details

APN / Parcel Number

Primary APN	`426-121-39`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	1,259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	7,138 sqft (0.164 acres)
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2198 RURAL PL
City	COSTA MESA
State	CA
Zip	92627-1731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1462 BLK LOT 17 TR 1462 LOT 17 ALL -EX ST-
Legal Subdivision	TRACT NO 1462
Legal Tract	1462
Legal Lot Number	17
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	3
Census Block	3001
Census Tract	63201

Owner

2198 Rural Pl is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NMSI INC
Feb 24, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 12, 2019	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on File
Deed Sale	Feb 24, 2023 · Amount on File
Prior Sale	Sep 1, 1993 · Amount on File
Deed Document Number	202342959
Prior Transfer Date	May 21, 2012
Prior Transfer Doc	0000323342
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 RURAL PL, COSTA MESA, CA 92627-1731

Mortgage

Document Number	0000029543
Date	Feb 6, 2026
Instrument	2026000029543

Lender

Name	NMSI INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 24, 2023
Property Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Document Number	0000042959
Map Reference	MB 43 PG 48
Instrument Date	Feb 6, 2023
Instrument	2023000042959
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	2198 RURAL PL, COSTA MESA, CA 92627-1731

Mortgage

Document Number	0000042960
Date	Feb 24, 2023
Instrument	2023000042960

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Mortgage

Document Number	0000042961
Date	Feb 24, 2023
Instrument	2023000042961

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 RURAL PL, COSTA MESA, CA 92627-1731

Mortgage

Document Number	0000300472
Date	Sep 8, 2022
Instrument	2022000300472

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 RURAL PL, COSTA MESA, CA 92627-1731

Mortgage

Document Number	0000426100
Date	Jun 30, 2021
Instrument	2021000426100

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2198 RURAL PL, COSTA MESA, CA 92627-1731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000248522
Date	Jul 12, 2019
Instrument	2019000248522

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2198 Rural Pl was $15,259.

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Costa Mesa City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,379,570 (+2%) Land $1,316,510 Building $63,060
2025	$15,259.00	$1,352,520 Land $1,290,696 Building $61,824
2023	$5,020.00 (+4.04%) Homeowner's exemption	$398,233 Land $330,682 Building $67,551
2022	$4,825.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2198 Rural Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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 Policies	1 in force
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1997 · rainfall accumulation

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 2198 Rural Pl 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	MESA WATER DISTRICT serves 110,000 people · EPA ID CA3010004
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024–2026) 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 889 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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