2546 Monaco Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 2546 Monaco Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,887 sqft · built 1984
Lot Size	0.253 acres (11,000 sqft)
Owner	Company Name on File
Tax Bill	$19,150 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`053-316-12`

Property Details

APN / Parcel Number

Primary APN	`053-316-12`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,887 sqft Living Area
1st Floor Area	3,887 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	11,000 sqft (0.253 acres)
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2546 MONACO DR
City	LAGUNA BEACH
State	CA
Zip	92651-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 2818 BLK LOT 10
Legal Subdivision	TRACT NO. 2818
Legal Tract	2818
Legal Lot Number	10
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2021
Census Tract	62656

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	2549 EASTBLUFF DR, 369, NEWPORT BEACH, CA 92660-3500
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2017	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2023
Transfer Doc	0000281430
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2546 MONACO DR, LAGUNA BEACH, CA 92651-1009
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	EQUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000449976
Date	Oct 24, 2017
Instrument	2017000449976

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.88%
Index	1-Year LIBOR
Max Rate	8.88%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2546 MONACO DR, LAGUNA BEACH, CA 92651-1009
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	EQUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000449977
Date	Oct 24, 2017
Instrument	2017000449977

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$1,825,027 (+2%) Land $970,761 Building $854,266
2025	$19,150.00 (+2.96%) Homeowner's exemption	$1,789,243 (+4.04%) Land $951,727 Building $837,516
2023	$18,600.00 (+2.26%) Homeowner's exemption	$1,719,765 Land $914,769 Building $804,996
2022	$18,189.00

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
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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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	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 89 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: AT&T.

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