3164 Bern Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 3164 Bern Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,614 sqft · built 1966
Lot Size	0.181 acres (7,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,900,000 (May 2022)
Tax Bill	$43,017 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`641-051-06`

Property Details

APN / Parcel Number

Primary APN	`641-051-06`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,614 sqft Living Area
Gross Area	3,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	7,878 sqft (0.181 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	3164 BERN DR
City	LAGUNA BEACH
State	CA
Zip	92651-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 4989 BLK LOT 45
Legal Subdivision	TRACT NO. 4989
Legal Tract	4989
Legal Lot Number	45
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1001
Census Tract	62619

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3164 BERN DR, LAGUNA BEACH, CA 92651-2006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 9, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Oct 3, 2005 · Amount on Record
Deed Document Number	2022179559
Prior Transfer Date	Feb 10, 2006
Prior Transfer Doc	0000131024
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	May 12, 2022
Property Address	3164 BERN DR, LAGUNA BEACH, CA 92651-2006
Document Number	0000179559
Map Reference	MB 205 PG 1-6
Instrument Date	Apr 12, 2022
Instrument	2022000179559
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1145 KATELLA ST, LAGUNA BEACH, CA 92651-3521

Mortgage

Document Number	0000179560
Date	May 12, 2022
Instrument	2022000179560

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	Other
Max Rate	8.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3164 BERN DR, LAGUNA BEACH, CA 92651-2006
Document Number	0000353449
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3164 BERN DR LAGUNA BEACH CA 926512006, LAGUNA BEACH, CA 92651-2006

Mortgage

Document Number	0000353449
Date	Sep 17, 2019
Instrument	353449

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$4,221,485 (+2%) Land $4,052,796 Building $168,689
2025	$43,017.00 (+3.75%) Homeowner's exemption	$4,138,711 (+4.04%) Land $3,973,329 Building $165,382
2023	$41,461.00 (+114.01%) Homeowner's exemption	$3,978,000 Land $3,819,039 Building $158,961
2022	$19,373.00

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 Record 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

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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