385 Flora St, Laguna Beach, CA 92651 Property Records

Orange County property record for 385 Flora St, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,951 sqft · built 2006
Lot Size	0.063 acres (2,750 sqft)
Owner	Trust Name on File
Last Sale	$2,300,000 (Dec 2016)
Tax Bill	$22,127 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`644-266-14`

Property Details

APN / Parcel Number

Primary APN	`644-266-14`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,951 sqft Living Area
1st Floor Area	1,951 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	2,750 sqft (0.063 acres)
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	385 FLORA ST
City	LAGUNA BEACH
State	CA
Zip	92651-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 82 BLK LOT L TR 82 LOT L NELY 50 FT
Legal Subdivision	TRACT NO 82
Legal Tract	82
Legal Lot Number	L
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2022
Census Tract	62620

Owner

385 Flora St is owner-occupied and held in a trust since February 2023.

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

Owner of Record	Trust Name on File
Mailing Address	385 FLORA ST, LAGUNA BEACH, CA 92651-3217
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.

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2016 · Amount on File
Deed Sale	Dec 30, 2016 · Amount on File
Prior Sale	Mar 19, 2014 · Amount on File
Deed Document Number	2016664868
Last Transfer Date	Feb 9, 2023
Transfer Doc	0000034480
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	385 FLORA ST, LAGUNA BEACH, CA 92651-3217
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FLORA ST, LAGUNA BEACH, CA 92651-3217

Mortgage

Document Number	0000321046
Date	May 14, 2021
Instrument	2021000321046

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	3.75%
Index	Other
Margin	3
Max Rate	6.75%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	385 FLORA ST, LAGUNA BEACH, CA 92651-3217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FLORA ST 92651, 92651, LAGUNA BEACH, CA 92651-3217

Mortgage

Document Number	0000596765
Date	Oct 22, 2020
Instrument	2020000596765

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jan 10, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 385 Flora St was $22,127 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		$1,915,482 (+2%) Land $1,714,287 Building $201,195
2025	$22,127.00 Homeowner's exemption	$1,877,924 Land $1,680,674 Building $197,250
2023	$19,477.00 (+1.94%)	$1,805,002 Land $1,615,410 Building $189,592
2022	$19,107.00

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

Flood

FEMA maps place 385 Flora St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1981.

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1981–2025)
Claims Outside the SFHA	15 of 15
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 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 385 Flora St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	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 713 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

May also be available: AT&T.

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