397 Vista Baya, Newport Beach, CA 92660 Property Records

Orange County property record for 397 Vista Baya, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,605 sqft · built 1975
Lot Size	0.217 acres (9,468 sqft)
Owner	Individual Name on File
Last Sale	$2,300,000 (Mar 2023)
Tax Bill	$26,087 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`426-091-34`

Property Details

APN / Parcel Number

Primary APN	`426-091-34`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,605 sqft Living Area
1st Floor Area	2,605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Traditional
Lot Area	9,468 sqft (0.217 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	397 VISTA BAYA
City	NEWPORT BEACH
State	CA
Zip	92660-3635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 2609 BLK LOT 17
Legal Subdivision	TRACT NO 2609
Legal Tract	2609
Legal Lot Number	17
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1001
Census Tract	63103

Owner

397 Vista Baya is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 5532, IRVINE, CA 92616-5532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 16, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 24, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2023 · Amount on File
Deed Sale	Mar 16, 2023 · Amount on File
Prior Sale	Jan 6, 2006 · Amount on File
Deed Document Number	202359923
Prior Transfer Date	Dec 29, 1993
Prior Transfer Doc	0000014002
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 16, 2023
Property Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635
Document Number	0000059923
Map Reference	MB 80 PG 35
Instrument Date	Feb 27, 2023
Instrument	2023000059923
Transaction Type	Transfer
Record Updated	Mar 29, 2023
Title Company	EQUITY TITLE-ORANGE COUNTY, EQUITY TITLE ORANGE COUNTY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5532, IRVINE, CA 92616-5532

Mortgage

Document Number	0000059924
Date	Mar 16, 2023
Instrument	2023000059924

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635

Mortgage

Document Number	0000072125
Date	Feb 2, 2021
Instrument	2021000072125

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021810
Date	Jan 17, 2020
Instrument	2020000021810

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063477
Date	Feb 22, 2018
Instrument	2018000063477

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 VISTA BAYA, NEWPORT BEACH, CA 92660-3635
Document Number	0000270593
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	397 VISTA BAYA NEWPORT BEACH CA 926603635, NEWPORT BEACH, CA 92660-3635

Mortgage

Document Number	0000270593
Date	Jun 29, 2017
Instrument	270593

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 397 Vista Baya was $26,087 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	Newport Beach City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,440,778 (+2%) Land $2,155,583 Building $285,195
2025	$26,087.00 Homeowner's exemption	$2,392,920 Land $2,113,317 Building $279,603
2023	$19,434.00 (+2.27%) Homeowner's exemption	$1,773,245 Land $1,460,127 Building $313,118
2022	$19,003.00

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

Flood

FEMA maps place 397 Vista Baya in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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

The area around 397 Vista Baya has no burnable land within ember reach, so its wildfire risk is not rated.

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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