Orange County property record for 401 E Bay St, Costa Mesa, CA 92627
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 1958 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,350,000 (Aug 2020) |
| Tax Bill | $16,324 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 426-241-15 |
| Primary APN | 426-241-15 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| Year Built | Built 1958 |
|---|---|
| Lot Area | 6,000 sqft (0.137 acres) |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 401 E BAY ST |
|---|---|
| City | COSTA MESA |
| State | CA |
| Zip | 92627-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 2023 BLK LOT 16 |
| Legal Tract | 2023 |
| Legal Lot Number | 16 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | CENTRAL COAST |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 63103 |
Source: Orange County records · APN 426-241-15
Assessment roll updated July 1, 2025 · Last verified November 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 09, 2021 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jun 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Aug 19, 2020 | Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 19, 2020 · Amount on Record |
| Deed Sale | Aug 19, 2020 · Amount on Record |
| Deed Document Number | 2020000421422 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Document Number | 0000442191 |
|---|---|
| Date | Jul 09, 2021 |
| Instrument | 2021000442191 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE CALIFORNIA |
| Name | Verified Name |
|---|---|
| Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Document Number | 0000381715 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 2021000381715 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.44% |
| Type Change Date | Jul 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.44% |
| Index | Prime Rate |
| Max Rate | 8.44% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Aug 19, 2020 |
| Property Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Document Number | 0000421422 |
| Map Reference | MB 107 PG 8 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 2020000421422 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | TICOR TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 401 E BAY ST, COSTA MESA, CA 92627-2110 |
| Document Number | 0000421423 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 2020000421423 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Sep 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
Source: Orange County records · Assessment roll updated July 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Costa Mesa City |
| Unified School District | Newport-Mesa Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $16,324.00 (+4.86%) Homeowner's exemption | $1,461,173 (+4.04%) Land $1,372,884 Building $88,289 |
| 2023 | $15,568.00 (+2.42%) Homeowner's exemption | $1,404,435 Land $1,319,574 Building $84,861 |
| 2022 | $15,200.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 774 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MESA WATER DISTRICT serves 110,000 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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