480 Ruby St, Laguna Beach, CA 92651 Property Records

Orange County property record for 480 Ruby St, Laguna Beach, CA 92651 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	4 Baths
Year Built	Built 2004
Square Footage	3,784 sqft Living Area
Lot Size	5,600 sqft (0.129 acres)
Garage	453 sqft
Pool	Spa/Hot Tub (Only)
Tax Bill	$15,231.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`644-286-35`
Alternative APN	`64428624`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Building Area	3,784 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	5,600 sqft (0.129 acres)
Parking Spaces	2 Parking Spaces
Garage Area	453 sqft Garage
Pool Type	Spa/Hot Tub (Only) Pool Type

Location & Zoning

Street Address	480 RUBY ST
City	LAGUNA BEACH
State	CA
Zip	92651-3642
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	N TR 42 BLK 2 LOT 1 TR NO 42 BLK 2 LOT 1 AND ARCH BEACH TR BLK 32 LOT
Legal Subdivision	ARCH REACH ADDITION
Legal Tract	42
Legal Block	2,32
Legal Lot Number	1
Jurisdiction	ORANGE CA
Minor Civil Division	SOUTH COAST
Census Blockgroup	3
Census Block	3003
Census Tract	62620

Owner

Source: Orange County records · APN 644-286-35

Assessment roll updated August 4, 2026 · Last verified August 2026

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

Owner of Record	2 Company Names on File
Mailing Address	480 RUBY ST, LAGUNA BEACH, CA 92651-3642
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 26, 2012
Transfer Doc	0000252468
Record Refreshed	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	480 RUBY ST, LAGUNA BEACH, CA 92651-3642
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 RUBY ST, LAGUNA BEACH, CA 92651-3642

Mortgage

Document Number	0000259766
Date	Apr 19, 2021
Instrument	2021000259766

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	May 01, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4.25%
Index	Other
Margin	3
Max Rate	7.25%

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated August 4, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$1,160,514 (+2%) Land $608,096 Building $552,418
2025	$15,231.00 (+0.47%)	$1,137,759 (+4.04%) Land $596,172 Building $541,587
2023	$15,159.00 (+1.97%)	$1,093,579 Land $573,022 Building $520,557
2022	$14,866.00

Flood & Wildfire

480 Ruby St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Orange County (06059C), updated September 27, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 37th percentile of exposed land nationally · 22nd in California
Wildfire Likelihood	Low — about 1 in 2,174 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.