3109 Bern Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 3109 Bern Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1966
Lot Size	0.453 acres (19,710 sqft)
Owner	2 Trust Names on File
Last Sale	$1,850,000 (Nov 2022)
Tax Bill	$20,598 (2025)
Deeds & Mortgages	Nov 2022 Sale & Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`641-042-21`

Property Details

APN / Parcel Number

Primary APN	`641-042-21`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	19,710 sqft (0.453 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3109 BERN DR
City	LAGUNA BEACH
State	CA
Zip	92651-2005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 4989 BLK LOT 16
Legal Subdivision	TRACT NO 4989
Legal Tract	4989
Legal Lot Number	16
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1000
Census Tract	62619

Owner

3109 Bern Dr is owner-occupied and held in a trust since November 2022.

Source: Orange County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3109 BERN DR, LAGUNA BEACH, CA 92651-2005
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Nov 21, 2022	Grant Deed, Transfer · Line of Credit MIDFIRST BANK
Sep 17, 2021	Intrafamily Transfer, Transfer
Nov 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Deed Document Number	2022385317
Record Updated	Oct 29, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 21, 2022
Property Address	3109 BERN DR, LAGUNA BEACH, CA 92651-2005
Document Number	0000385317
Map Reference	MB 205 PG 1-6
Instrument Date	Nov 8, 2022
Instrument	2022000385317
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	CHICAGO 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	3109 BERN DR, LAGUNA BEACH, CA 92651-2005

Mortgage

Document Number	0000385318
Date	Nov 21, 2022
Instrument	2022000385318

Lender

Name	MIDFIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 17, 2021
Property Address	3109 BERN DR, LAGUNA BEACH, CA 92651-2005
Document Number	0000580374
Map Reference	MB 205 PG 1-6
Instrument Date	Sep 8, 2021
Instrument	2021000580374
Transaction Type	Transfer
Record Updated	Sep 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3109 BERN DR, LAGUNA BEACH, CA 92651-2005

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 21, 2017
Property Address	3109 BERN DR, LAGUNA BEACH, CA 92651-2005
Document Number	0000503110
Instrument Date	Oct 25, 2017
Instrument	503110
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 BERN DR LAGUNA BEACH CA 926512005, LAGUNA BEACH, CA 92651-2005

Tax Assessment & Valuation

The 2025 property tax bill for 3109 Bern Dr was $20,598, up 2.2% from the year before.

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		$1,963,234 (+2%) Land $1,837,588 Building $125,646
2025	$20,598.00 (+2.2%)	$1,924,740 Land $1,801,557 Building $123,183
2024	$20,154.00 (+0.82%)
2023	$19,990.00 (+862.91%)	$1,850,000 Land $1,731,600 Building $118,400
2022	$2,076.00

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

Flood

FEMA maps place 3109 Bern Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1983.

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1983–2025)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Nov 2025 · other causes
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 4 claims

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 3109 Bern Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.3% 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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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