3214 Bern Ct, Laguna Beach, CA 92651 Property Records

Orange County property record for 3214 Bern Ct, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,920 sqft · built 1974
Lot Size	0.204 acres (8,888 sqft)
Owner	Company Name on File
Last Sale	$1,453,000 (Sep 2009)
Tax Bill	$20,975 (2025)
Deeds & Mortgages	May 2018 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`641-012-17`

Property Details

APN / Parcel Number

Primary APN	`641-012-17`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,920 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	8,888 sqft (0.204 acres)
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	3214 BERN CT
City	LAGUNA BEACH
State	CA
Zip	92651-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 5862 BLK LOT 3
Legal Subdivision	TRACT NO 5862
Legal Tract	5862
Legal Lot Number	3
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3000
Census Tract	62632

Owner

3214 Bern Ct is owned by a company that acquired it in September 2013 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
May 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FOUNDATION BANK
May 15, 2018	Deed of Trust, Mortgage · ARM FIRST FOUNDATION BANK
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FOUNDATION BANK
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FOUNDATION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2009 · Amount on File
Deed Sale	Sep 18, 2009 · Amount on File
Deed Document Number	2009498324
Last Transfer Date	Sep 23, 2013
Transfer Doc	0000607456
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176872
Date	May 15, 2018
Instrument	2018000176872

Lender

Name	FIRST FOUNDATION BANK
Type	Bank
Address	IRVINE, CA 92614

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176871
Date	May 15, 2018
Instrument	2018000176871

Lender

Name	FIRST FOUNDATION BANK
Type	Bank
Address	IRVINE, CA 92614

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007

Mortgage

Document Number	0000511226
Date	Sep 21, 2020
Instrument	2020000511226

Lender

Name	FIRST FOUNDATION BANK
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 BERN CT, LAGUNA BEACH, CA 92651-2007

Mortgage

Document Number	0000511227
Date	Sep 21, 2020
Instrument	2020000511227

Lender

Name	FIRST FOUNDATION BANK
Type	Bank
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3214 Bern Ct was $20,975 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		$2,008,322 (+2%) Land $1,580,449 Building $427,873
2025	$20,975.00 Homeowner's exemption	$1,968,944 Land $1,549,460 Building $419,484
2023	$20,349.00 (+2.23%) Homeowner's exemption	$1,892,489 Land $1,489,293 Building $403,196
2022	$19,905.00

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

Flood

FEMA maps place 3214 Bern Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1995–2016)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Mar 2016 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 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 3214 Bern Ct is high, ranking above 77% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · above 54% of California
Wildfire Likelihood	0.4% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bern Ct

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