391 2nd St, Laguna Beach, CA 92651 Property Records

Orange County property record for 391 2nd St, Laguna Beach, CA 92651

Property Summary

Property Type	Multi-Family Dwellings
Details	1,011 sqft · built 1939
Lot Size	0.057 acres (2,495 sqft)
Owner	Trust Name on File
Last Sale	$1,125,000 (Jun 2018)
Tax Bill	$14,871 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`641-266-06`

Property Details

APN / Parcel Number

Primary APN	`641-266-06`

Interior

Stories	2 Stories
Building Area	1,011 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Multi-Family
Lot Area	2,495 sqft (0.057 acres)

Location & Zoning

Street Address	391 2ND ST
City	LAGUNA BEACH
State	CA
Zip	92651-2384
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	A TR ROGERS ADD BLK G LOT 4 ROGERS ADD LOT 4 BLK G ALL -EX SELY 10 FT SWLY
Legal Subdivision	ROGERS ADD
Legal Tract	679
Legal Block	G
Legal Lot Number	4
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1003
Census Tract	62605

Owner

391 2nd St, a residential property, is held in a trust since June 2018.

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

Owner of Record	Trust Name on File
Mailing Address	2845 BERNARD CT, LAGUNA BEACH, CA 92651-2076
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
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Jun 6, 2018	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2018 · Amount on File
Deed Sale	Jun 6, 2018 · Amount on File
Deed Document Number	2018207802
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	391 2ND ST, LAGUNA BEACH, CA 92651-2384
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 BERNARD CT, LAGUNA BEACH, CA 92651-2076

Mortgage

Document Number	0000539670
Date	Aug 27, 2021
Instrument	2021000539670

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.35%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.35%
Index	1-Month LIBOR
Margin	3
Max Rate	7.35%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	391 2ND ST, LAGUNA BEACH, CA 92651-2384
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000141191
Date	Apr 30, 2019
Instrument	2019000141191

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 6, 2018
Property Address	391 2ND ST, LAGUNA BEACH, CA 92651-2384
Document Number	0000207802
Map Reference	MB31 PG51
Instrument Date	Apr 25, 2018
Instrument	2018000207802
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ORANGE COAST TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2845 BERNARD CT, LAGUNA BEACH, CA 92651-2076

Mortgage

Document Number	0000207803
Date	Jun 6, 2018
Instrument	2018000207803

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 391 2nd St was $14,871.

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		$1,305,657 (+2%) Land $1,270,221 Building $35,436
2025	$14,871.00	$1,280,056 Land $1,245,314 Building $34,742
2023	$14,633.00 (+2.64%)	$1,230,350 Land $1,196,956 Building $33,394
2022	$14,256.00

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

Flood

FEMA maps place 391 2nd St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	52 (1978–2025)
Claims Outside the SFHA	8 of 52
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 8 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 13 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 391 2nd St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 502 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

May also be available: T-Mobile.

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