431 E Bay St, Costa Mesa, CA 92627 Property Records

Orange County property record for 431 E Bay St, Costa Mesa, CA 92627

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,655 sqft · built 2015
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$885,000 (Oct 2014)
Tax Bill	$13,628 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`426-241-20`

Property Details

APN / Parcel Number

Primary APN	`426-241-20`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
1st Floor Area	1,655 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	6,000 sqft (0.138 acres)
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	431 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 11
Legal Subdivision	TRACT NO 2023
Legal Tract	2023
Legal Lot Number	11
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	2
Census Block	2001
Census Tract	63103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	431 E BAY ST, COSTA MESA, CA 92627-2110
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2014 · Amount on Record
Deed Sale	Oct 1, 2014 · Amount on Record
Deed Document Number	2014400330
Last Transfer Date	Sep 23, 2019
Transfer Doc	0000386528
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	431 E BAY ST, COSTA MESA, CA 92627-2110
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E BAY ST, COSTA MESA, CA 92627-2110

Mortgage

Document Number	0000054322
Date	Mar 10, 2023
Instrument	2023000054322

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	431 E BAY ST, COSTA MESA, CA 92627-2110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223830
Date	May 18, 2020
Instrument	2020000223830

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 4, 2019
Property Address	431 E BAY ST, COSTA MESA, CA 92627-2110
Document Number	0000386528
Instrument Date	Sep 23, 2019
Instrument	386528
Transaction Type	Transfer
Record Updated	Oct 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	431 E BAY ST COSTA MESA CA 926272110, COSTA MESA, CA 92627-2110

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Costa Mesa City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,220,719 (+2%) Land $975,968 Building $244,751
2025	$13,628.00 (+5.01%)	$1,196,784 (+4.04%) Land $956,832 Building $239,952
2023	$12,978.00 (+2.56%)	$1,150,312 Land $919,676 Building $230,636
2022	$12,654.00

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

Flood

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

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

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 774 locations within half a mile, as of December 31, 2025

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.

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