480 Agate St, Laguna Beach, CA 92651 Property Records

Orange County property record for 480 Agate St, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 631 sqft · built 1946
Lot Size	0.069 acres (3,000 sqft)
Owner	Trust Name on File
Last Sale	$1,190,000 (Dec 2017)
Tax Bill	$15,294 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`644-261-04`

Property Details

APN / Parcel Number

Primary APN	`644-261-04`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	631 sqft Living Area
1st Floor Area	631 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	3,000 sqft (0.069 acres)

Location & Zoning

Street Address	480 AGATE ST
City	LAGUNA BEACH
State	CA
Zip	92651-3324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A TR LAGUNA HEIGHTS # 3 BLK 28 LOT 13
Legal Subdivision	LAGUNA HEIGHTS #3
Legal Tract	415
Legal Block	28
Legal Lot Number	13
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2008
Census Tract	62620

Owner

480 Agate St is owner-occupied and held in a trust since December 2017.

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

Owner of Record	Trust Name on File
Mailing Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Jul 26, 2021	Intrafamily Transfer, Transfer
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Dec 13, 2017	Grant Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2017 · Amount on File
Deed Sale	Dec 13, 2017 · Amount on File
Prior Sale	Apr 9, 2002 · Amount on File
Deed Document Number	2017535815
Prior Transfer Date	Jul 30, 1996
Prior Transfer Doc	0000410295
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000268661
Date	Aug 4, 2022
Instrument	2022000268661

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jul 26, 2021
Property Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324
Document Number	0000473137
Map Reference	MB 8 PG 1
Instrument Date	Jul 19, 2021
Instrument	2021000473137
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000049216
Date	Jan 25, 2021
Instrument	2021000049216

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 13, 2017
Property Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324
Document Number	0000535815
Map Reference	MB8 PG1
Instrument Date	Oct 27, 2017
Instrument	2017000535815
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO 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
Address	480 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000535816
Date	Dec 13, 2017
Instrument	2017000535816

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 480 Agate St was $15,294 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Laguna Beach City
Unified School District	Laguna Beach Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,437,847 (+2%) Land $1,354,250 Building $83,597
2025	$15,294.00 Homeowner's exemption	$1,409,654 Land $1,327,696 Building $81,958
2023	$14,839.00 (+5.74%) Homeowner's exemption	$1,348,238 Land $1,276,140 Building $72,098
2022	$14,034.00

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

Flood

FEMA maps place 480 Agate St 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 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	Severe Winter Storms And Flooding, Apr 1998 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 4 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

Wildfire risk around 480 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.

Drinking Water

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

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)
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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