490 Agate St, Laguna Beach, CA 92651 Property Records

Orange County property record for 490 Agate St, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,154 sqft · built 1946
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Company Names on Record
Last Sale	$2,740,000 (Nov 2025)
Tax Bill	$11,380 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2025 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`644-261-03`

Property Details

APN / Parcel Number

Primary APN	`644-261-03`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
1st Floor Area	1,154 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	3,000 sqft (0.069 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	490 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 11 LAGUNA HEIGHTS # 3 LOT 11 BLK 28 SELY1/2(AND
Legal Subdivision	LAGUNA HEIGHTS #3
Legal Tract	415
Legal Block	28
Legal Lot Number	11
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2008
Census Tract	62620

Owner

Source: Orange County records, as of August 4, 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 Company Names on Record
Mailing Address	51 VIA CONOCIDO, SAN CLEMENTE, CA 92673-7044
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Commercial Mortgage FRED JAMES
Nov 7, 2025	Grant Deed, Transfer WFG NATIONAL TITLE COMPANY
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Sep 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage LAGUNA LENDING GROUP INC
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2020	Deed of Trust, Mortgage · Line of Credit WESCOM CTRL CU
Nov 27, 2018	Deed of Trust, Mortgage · Line of Credit WESCOM CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Dec 5, 2000 · Amount on Record
Deed Document Number	2025306315
Prior Transfer Date	Jul 1, 1993
Prior Transfer Doc	0000722716
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000283730
Date	Oct 15, 2025
Instrument	2025000283730

Lender

Name	FRED JAMES
Type	Private Party
Address	303 BROADWAY ST # 2042, LAGUNA BEACH, CA 92651

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 7, 2025
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Document Number	0000306315
Map Reference	MB 8 PG 1
Instrument Date	Oct 27, 2025
Instrument	2025000306315
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	51 VIA CONOCIDO, SAN CLEMENTE, CA 92673-7044

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000267437
Date	Aug 3, 2022
Instrument	2022000267437

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000579965
Date	Sep 17, 2021
Instrument	2021000579965

Lender

Name	LAGUNA LENDING GROUP INC
Type	Non-Lending Institution
Address	LAGUNA BEACH, CA 92651

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000574882
Date	Sep 15, 2021
Instrument	2021000574882

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Document Number	0000210822
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	490 AGATE ST LAGUNA BEACH CA 926513324, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000210822
Date	May 11, 2020
Instrument	210822

Lender

Name	WESCOM CTRL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 AGATE ST, LAGUNA BEACH, CA 92651-3324
Document Number	0000455922
Instrument Date	Nov 27, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	490 AGATE ST LAGUNA BEACH CA 926513324, LAGUNA BEACH, CA 92651-3324

Mortgage

Document Number	0000455922
Date	Dec 6, 2018
Instrument	455922

Lender

Name	WESCOM CTRL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$2,740,000 (+167.48%) Land $2,600,000 Building $140,000
2025	$11,380.00 (+1.99%) Homeowner's exemption	$1,024,369 (+4.04%) Land $948,246 Building $76,123
2023	$11,158.00 (+2.49%) Homeowner's exemption	$984,593 Land $911,425 Building $73,168
2022	$10,887.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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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