2470 Monaco Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 2470 Monaco Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,999 sqft · built 2001
Lot Size	0.358 acres (15,576 sqft)
Owner	Trust Name on File
Tax Bill	$79,763 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-318-03`

Property Details

APN / Parcel Number

Primary APN	`053-318-03`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,999 sqft Living Area
1st Floor Area	4,999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	15,576 sqft (0.358 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	2470 MONACO DR
City	LAGUNA BEACH
State	CA
Zip	92651-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 2818 BLK LOT 29
Legal Subdivision	TRACT NO. 2818
Legal Tract	2818
Legal Lot Number	29
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2021
Census Tract	62656

Owner

2470 Monaco Dr is owner-occupied and held in a trust since April 2004.

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

Owner of Record	Trust Name on File
Mailing Address	2470 MONACO DR, LAGUNA BEACH, CA 92651-1007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 13, 2018	Deed of Trust, Mortgage · ARM CITIBANK NA
Mar 14, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2004
Deed Sale	Apr 20, 2004
Prior Sale	Nov 26, 1996 · Amount on File
Deed Document Number	2004334574
Prior Transfer Date	Jul 18, 1994
Prior Transfer Doc	0000470401
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2470 MONACO DR, LAGUNA BEACH, CA 92651-1007
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000259309
Date	Jul 26, 2022
Instrument	2022000259309

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	HOUSTON, TX 77046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2037

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2470 MONACO DR, LAGUNA BEACH, CA 92651-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2470 MONACO DR, LAGUNA BEACH, CA 92651-1007

Mortgage

Document Number	0000465553
Date	Dec 13, 2018
Instrument	2018000465553

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.77%
Index	1-Year LIBOR
Max Rate	8.75%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2470 MONACO DR, LAGUNA BEACH, CA 92651-1007
Document Number	0000082914
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2470 MONACO DR LAGUNA BEACH CA 926511007, LAGUNA BEACH, CA 92651-1007

Mortgage

Document Number	0000082914
Date	Mar 15, 2019
Instrument	82914

Lender

Name	BANK OF AMERICA
Type	Bank
Address	20 GREENWAY PLZ # 900, HOUSTON, TX 77046-2007

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 14, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 2470 Monaco Dr was $79,763 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Laguna Beach City
Unified School District	Laguna Beach Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$7,911,114 (+2%) Land $6,748,296 Building $1,162,818
2025	$79,763.00 Homeowner's exemption	$7,755,995 Land $6,615,977 Building $1,140,018
2023	$76,658.00 (+2%) Homeowner's exemption	$7,454,821 Land $6,359,071 Building $1,095,750
2022	$75,158.00

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

Flood

FEMA maps place 2470 Monaco Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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

Wildfire risk around 2470 Monaco Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 64% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAGUNA BEACH COUNTY WD serves 18,862 people · EPA ID CA3010017
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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