Orange County property record for 315 Mountain Rd, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,869 sqft · built 1938 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Trust Name on File |
| Last Sale | $2,100,000 (Mar 2008) |
| Tax Bill | $6,995 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-204-01 |
| Primary APN | 644-204-01 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,869 sqft Living Area |
| 1st Floor Area | 1,869 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Area | 373 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|
| Street Address | 315 MOUNTAIN RD |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A TR LAGUNA HEIGHTS # 3 BLK F LOT 1 LAGUNA HEIGHTS # 3 LOT 1 BLK F AND NWLY 20 FT LOT |
| Legal Subdivision | LAGUNA HEIGHTS #3 |
| Legal Tract | 415 |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 62619 |
315 Mountain Rd is owner-occupied and held in a trust since March 2008.
Source: Orange County records, as of August 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 315 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3137 |
| 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.
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNION SAVINGS BANK |
| Jan 4, 2018 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Dec 12, 2017 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2008 · Amount on File |
| Deed Sale | Mar 14, 2008 · Amount on File |
| Deed Document Number | 2008120432 |
| Prior Transfer Date | Feb 3, 1995 |
| Prior Transfer Doc | 0000109027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 315 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3137 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 315 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3137 |
| Document Number | 0000191979 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 2022000191979 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 315 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3137 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000003833 |
|---|---|
| Date | Jan 4, 2018 |
| Instrument | 2018000003833 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Feb 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 315 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3137 |
| Document Number | 0000003834 |
| Instrument Date | Dec 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NEW YORK TITLE AGENCY INC, FIRST AMERICAN TITLE CO RESID' |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 315 MOUNTAIN RD LAGUNA BEACH CA 926513137, LAGUNA BEACH, CA 92651-3137 |
| Document Number | 0000003834 |
|---|---|
| Date | Jan 4, 2018 |
| Instrument | 3834 |
| Name | WELLS FARGO BK |
|---|---|
| Address | BILLINGS, MT 59107-9900 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 315 Mountain Rd was $6,995 with a homeowner's exemption.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Beach City |
| Unified School District | Laguna Beach Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $580,664 (-2.03%) Land $406,465 Building $174,199 | |
| 2025 | $6,995.00 Homeowner's exemption | $592,669 Land $414,868 Building $177,801 |
| 2023 | $7,445.00 (-1.14%) Homeowner's exemption | $617,816 Land $432,471 Building $185,345 |
| 2022 | $7,531.00 |
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.
FEMA maps place 315 Mountain Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 individual policies |
| Nearby Flood Policies | 77 units insured incl. 47 condo units |
| Nearby Flood Claims | 19 (1988–2026) |
| Claims Outside the SFHA | 9 of 19 |
| Most Recent Claim | Aug 2026 · other causes |
| Claims by Event |
|
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 risk around 315 Mountain Rd is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 913 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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