331 Vista Baya, Costa Mesa, CA 92627 Property Records

Orange County property record for 331 Vista Baya, Costa Mesa, CA 92627

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,687 sqft · built 2018
Lot Size	0.213 acres (9,315 sqft)
Owner	Individual Name on Record
Last Sale	$1,175,000 (Jul 2017)
Tax Bill	$18,584 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`426-043-06`

Property Details

APN / Parcel Number

Primary APN	`426-043-06`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,687 sqft Living Area

Exterior

Year Built	Built 2018
Lot Area	9,315 sqft (0.213 acres)
Garage Area	709 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	331 VISTA BAYA
City	COSTA MESA
State	CA
Zip	92627-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 3457 BLK LOT 13
Legal Tract	3457
Legal Lot Number	13
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1006
Census Tract	63103

Owner

Source: Orange County records, as of November 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Sep 8, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jul 24, 2019	Deed of Trust, Mortgage · ARM UMPQUA BANK
Oct 31, 2019	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jul 3, 2017	Affidavit of Death, Transfer CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO
Jul 3, 2017	Grant Deed, Transfer · ARM UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Prior Sale	Mar 4, 1996
Deed Document Number	2017000274075
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 23, 2026
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Document Number	0000209986
Instrument Date	Jul 21, 2026
Instrument	2026209986
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808

Mortgage

Document Number	0000246764
Date	Sep 8, 2025
Instrument	2025000246764

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267013
Date	Jul 24, 2019
Instrument	2019000267013

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430854
Date	Oct 31, 2019
Instrument	2019000430854

Lender

Name	UMPQUA BANK
Type	Bank
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808

Mortgage

Document Number	0000554159
Date	Oct 7, 2020
Instrument	2020000554159

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

July 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ORANGE CA
Recording Date	Jul 3, 2017
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Document Number	0000274074
Instrument Date	Jun 7, 2017
Instrument	274074
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44285 SAN JOSE AVE PALM DESERT CA 92260, PALM DESERT, CA 92260

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 3, 2017
Property Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808
Document Number	0000274075
Map Reference	MB 122 PG 33
Instrument Date	Jun 5, 2017
Instrument	2017000274075
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CALIFORNIA 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	Community Property with Right of Survivorship
Address	331 VISTA BAYA, COSTA MESA, CA 92627-1808

Mortgage

Document Number	0000274076
Date	Jul 3, 2017
Instrument	2017000274076

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

Source: Orange County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Costa Mesa City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$18,584.00 (+4.73%)	$1,669,880 (+4.04%) Land $1,201,940 Building $467,940
2023	$17,745.00 (+2.32%)	$1,605,038 Land $1,155,268 Building $449,770
2022	$17,343.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1993–2005)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2005 · Severe Storms, Flooding, Landslides, And Mud And Debris Flows

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	Not rated no burnable land within 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	MESA WATER DISTRICT serves 110,000 people · EPA ID CA3010004
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
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 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, T-Mobile.

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