441 Prospect St, Newport Beach, CA 92663 Property Records

Orange County property record for 441 Prospect St, Newport Beach, CA 92663

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,485 sqft · built 1962
Lot Size	0.052 acres (2,250 sqft)
Owner	2 Individual Names on File
Last Sale	$2,000,000 (Apr 2021)
Tax Bill	$23,088 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`045-065-21`

Property Details

APN / Parcel Number

Primary APN	`045-065-21`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,485 sqft Living Area
Gross Area	2,849 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	2,250 sqft (0.052 acres)
Garage Area	364 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	441 PROSPECT ST
City	NEWPORT BEACH
State	CA
Zip	92663-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 772 BLK 15 LOT 16 TR 772 LOT 16 BLK 15 POR THEREOF AND LOT 17 BLK
Legal Subdivision	TRACT NO 772
Legal Tract	772
Legal Block	15
Legal Lot Number	16,17
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	2
Census Block	2004
Census Tract	63603

Owner

441 Prospect St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 27, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 13, 2017	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2021 · Amount on File
Deed Sale	Apr 27, 2021 · Amount on File
Prior Sale	Oct 13, 2017 · Amount on File
Deed Document Number	2021280054
Prior Transfer Date	Oct 28, 2010
Prior Transfer Doc	0000661725
Record Updated	Oct 29, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 27, 2021
Property Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948
Document Number	0000280054
Map Reference	MB 23 PG 5&6
Instrument Date	Apr 2, 2021
Instrument	2021000280054
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	TRICO TITLE COMPANY, TICOR 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	Community Property with Right of Survivorship
Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948

Mortgage

Document Number	0000280055
Date	Apr 27, 2021
Instrument	2021000280055

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948

Mortgage

Document Number	0000459874
Date	Sep 2, 2020
Instrument	2020000459874

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 13, 2017
Property Address	441 PROSPECT ST, NEWPORT BEACH, CA 92663-1948
Document Number	0000436812
Map Reference	MB23 PG5-6
Instrument Date	Sep 12, 2017
Instrument	2017000436812
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NORTH AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	121 KELP ST, MANHATTAN BEACH, CA 90266-3145

Mortgage

Document Number	0000436813
Date	Oct 13, 2017
Instrument	2017000436813

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

Mortgage

Document Number	0000436814
Date	Oct 13, 2017
Instrument	2017000436814

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 441 Prospect St was $23,088.

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		$2,208,161 (+2%) Land $2,054,425 Building $153,736
2025	$23,088.00	$2,164,864 Land $2,014,142 Building $150,722
2023	$22,193.00 (+1.69%)	$2,080,800 Land $1,935,930 Building $144,870
2022	$21,824.00

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

Flood

FEMA maps place 441 Prospect St in Zone X, where a levee reduces flood risk, though there have been 42 flood claims nearby since 1978.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 27 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	42 (1978–2016)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Dec 2016 · other causes
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 13 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 5 claims

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 441 Prospect St 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	CITY OF NEWPORT BEACH serves 69,520 people · EPA ID CA3010023
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2022
Lead	Under 1 ppb (2022–2024) 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 713 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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