Orange County property record for 435 Mountain Rd, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,985 sqft · built 2000 |
| Lot Size | 0.082 acres (3,576 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $339,000 (Aug 1994) |
| Tax Bill | $9,425 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-205-03 |
| Primary APN | 644-205-03 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,985 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Traditional |
| Lot Area | 3,576 sqft (0.082 acres) |
| Garage Area | 352 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Heating System | Central |
|---|
| Street Address | 435 MOUNTAIN RD |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S TWP 7 RGE 9 SEC 25 SEC 25 T 7 R 9 LOT 40 X 89.39 FT IN S1/2 |
| Legal Lot Number | 40 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 62619 |
435 Mountain Rd is owner-occupied and held in a trust since April 2020.
Source: Orange County records, as of August 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Mar 16, 2022 | Intrafamily Transfer, Transfer |
| Jul 21, 2022 | Intrafamily Transfer, Transfer |
| Dec 8, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 1994 · Amount on File |
| Deed Sale | Aug 19, 1994 · Amount on File |
| Deed Document Number | 1994512049 |
| Last Transfer Date | Apr 14, 2020 |
| Transfer Doc | 0000254320 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000409609 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 2020000409609 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Mar 16, 2022 |
| Property Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Document Number | 0000102816 |
| Instrument Date | Apr 14, 2020 |
| Instrument | 2022000102816 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 21, 2022 |
| Property Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Document Number | 0000254320 |
| Instrument Date | Apr 14, 2020 |
| Instrument | 2022000254320 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 435 MOUNTAIN RD, LAGUNA BEACH, CA 92651-3139 |
| Document Number | 0000542135 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 435 MOUNTAIN RD LAGUNA BEACH CA 926513139, LAGUNA BEACH, CA 92651-3139 |
| Document Number | 0000542135 |
|---|---|
| Date | Dec 18, 2017 |
| Instrument | 542135 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2047 |
The 2025 property tax bill for 435 Mountain Rd was $9,425 with a homeowner's exemption.
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 | $848,595 (+2%) Land $523,099 Building $325,496 | |
| 2025 | $9,425.00 Homeowner's exemption | $831,956 Land $512,842 Building $319,114 |
| 2023 | $9,286.00 (+2.62%) Homeowner's exemption | $799,651 Land $492,928 Building $306,723 |
| 2022 | $9,049.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 435 Mountain Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 individual policies |
| Nearby Flood Policies | 77 units insured incl. 47 condo units |
| Nearby Flood Claims | 19 (1988–2026) |
| Claims Outside the SFHA | 9 of 19 |
| Most Recent Claim | Aug 2026 · other causes |
| 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 Mountain Rd 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 80% of the US · lower than 88% 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 913 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 |
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