Orange County property record for 435 Agate St, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 2,604 sqft · built 1925 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $4,225,000 (Jul 2019) |
| Tax Bill | $55,764 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-262-19 |
| Primary APN | 644-262-19 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,000 sqft (0.138 acres) |
|---|
| Water Source | Commercial |
|---|
| Street Address | 435 AGATE ST |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A TR LAGUNA HEIGHTS # 3 BLK 29 LOT 3 LAGUNA HEIGHTS NO. 3 BLK 29 LOTS 3, 4 & 5 |
| Legal Subdivision | LAGUNA HEIGHTS 03 |
| Legal Tract | 415 |
| Legal Block | 29 |
| Legal Lot Number | 3,4,5 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 62620 |
435 Agate St is held in a trust since July 2019.
Source: Orange County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 435 AGATE ST, LAGUNA BEACH, CA 92651-3323 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Jul 18, 2019 | Grant Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2019 · Amount on File |
| Deed Sale | Jul 18, 2019 · Amount on File |
| Prior Sale | Aug 9, 2010 · Amount on File |
| Deed Document Number | 2019259583 |
| Prior Transfer Date | Jun 5, 2000 |
| Prior Transfer Doc | 0000307562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Aug 25, 2026 |
| Property Address | 435 AGATE ST, LAGUNA BEACH, CA 92651-3323 |
| Document Number | 0000239774 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026239774 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 435 AGATE ST, LAGUNA BEACH, CA 92651-3323 |
| Document Number | 0000239774, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 2026239774 |
| Name | BANK OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 18, 2019 |
| Property Address | 435 AGATE ST, LAGUNA BEACH, CA 92651-3323 |
| Document Number | 0000259583 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 259583 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,647.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 435 AGATE ST LAGUNA BEACH CA 926513323, LAGUNA BEACH, CA 92651-3323 |
| Document Number | 259584 |
|---|---|
| Date | Jul 18, 2019 |
| Instrument | 259584 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 17, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
The 2025 property tax bill for 435 Agate St was $55,764.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Beach City |
| Unified School District | Laguna Beach Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,494,209 (+2%) Land $4,398,779 Building $1,095,430 | |
| 2025 | $55,764.00 | $5,386,480 Land $4,312,529 Building $1,073,951 |
| 2023 | $50,679.00 (+10.88%) | $4,881,555 Land $4,145,068 Building $736,487 |
| 2022 | $45,708.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 435 Agate St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1981.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 15 (1981–2025) |
| Claims Outside the SFHA | 15 of 15 |
| Most Recent Claim | Nov 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 435 Agate St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 713 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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