398 Vista Baya, Newport Beach, CA 92660 Property Records

Orange County property record for 398 Vista Baya, Newport Beach, CA 92660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,191 sqft · built 1961
Lot Size	0.217 acres (9,450 sqft)
Owner	Company Name on File
Last Sale	$1,775,000 (Jun 2020)
Tax Bill	$21,456 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`426-091-51`

Property Details

APN / Parcel Number

Primary APN	`426-091-51`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,191 sqft Living Area
1st Floor Area	2,191 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Traditional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	9,450 sqft (0.217 acres)
Garage Area	777 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	398 VISTA BAYA
City	NEWPORT BEACH
State	CA
Zip	92660-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 2609 BLK LOT 1
Legal Subdivision	TRACT 2609
Legal Tract	2609
Legal Lot Number	1
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1001
Census Tract	63103

Owner

398 Vista Baya is owned by a company that bought it in June 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit LOGIX FCU
Dec 16, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jun 17, 2020	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA
Jul 28, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Deed Document Number	2020280070
Prior Transfer Date	Mar 8, 2014
Prior Transfer Doc	0000312682
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Transaction Type	Mortgage
Record Updated	Nov 30, 2022
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634

Mortgage

Document Number	0000362135
Date	Nov 14, 2022
Instrument	2022000362135

Lender

Name	LOGIX FCU
Type	Credit Union
Address	VALENCIA, CA 91355

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634

Mortgage

Document Number	0000755986
Date	Dec 16, 2021
Instrument	2021000755986

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634

Mortgage

Document Number	0000485460
Date	Jul 30, 2021
Instrument	2021000485460

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.37%
Type Change Date	Aug 1, 2031
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	4.37%

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 17, 2020
Property Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Document Number	0000280070
Map Reference	MB 80 PG 35
Instrument Date	Mar 12, 2020
Instrument	2020000280070
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO TITLE COMPANY

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
Relationship	Living Trust
Address	1048 IRVINE AVE # 254, 254, NEWPORT BEACH, CA 92660-4602
Investor	Possibly a Property Investor

Mortgage

Document Number	0000280071
Date	Jun 17, 2020
Instrument	2020000280071

Lender

Name	CITIBANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	7.5%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 28, 2017
Property Address	398 VISTA BAYA, NEWPORT BEACH, CA 92660-3634
Document Number	0000312682
Instrument Date	Mar 8, 2014
Instrument	312682
Transaction Type	Transfer
Record Updated	Aug 8, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	398 VISTA BAYA NEWPORT BEACH CA 926603634, NEWPORT BEACH, CA 92660-3634

Tax Assessment & Valuation

The 2025 property tax bill for 398 Vista Baya was $21,456 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		$2,054,293 (+5.82%) Land $1,743,022 Building $311,271
2025	$21,456.00 Homeowner's exemption	$1,941,220 Land $1,708,845 Building $232,375
2023	$20,471.00 (+2.37%) Homeowner's exemption	$1,865,841 Land $1,642,489 Building $223,352
2022	$19,998.00

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

Flood

FEMA maps place 398 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 398 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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