490 Aster St, Laguna Beach, CA 92651 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,612 sqft · built 1924
Lot Size	0.141 acres (6,125 sqft)
Owner	2 Company Names on Record
Last Sale	$4,175,000 (Sep 2024)
Tax Bill	$43,457 (2025)
Deeds & Mortgages	Sep 2025 Transfer Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`496-163-02`

Property Details

APN / Parcel Number

Primary APN	`496-163-02`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Lot Area	6,125 sqft (0.141 acres)
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	490 ASTER ST
City	LAGUNA BEACH
State	CA
Zip	92651-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A TR LAGUNA CLIFFS # 2 BLK 15 LOT 16
Legal Subdivision	LAGUNA CLIFFS #2
Legal Tract	413
Legal Block	15
Legal Lot Number	16
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2005
Census Tract	62605

Owner

Source: Orange County records, as of August 4, 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 Record
Mailing Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Intrafamily Transfer, Transfer
Oct 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage VERNAL BAY INVESTMENTS LLC
Jun 7, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 3, 2023	Intrafamily Transfer, Transfer
Feb 28, 2019	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Prior Sale	Jun 7, 2023 · Amount on Record
Deed Document Number	2024229068
Prior Transfer Date	Dec 28, 2022
Prior Transfer Doc	0000000772
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 25, 2025
Property Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Document Number	0000263580
Map Reference	MB 7 PG 39&40
Instrument Date	Sep 17, 2025
Instrument	2025000263580
Transaction Type	Transfer
Record Updated	Oct 13, 2025

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	490 ASTER ST, LAGUNA BEACH, CA 92651-1717

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 LOS ROBLES, LAGUNA BEACH, CA 92651-2559

Mortgage

Document Number	0000251794
Date	Oct 16, 2023
Instrument	2023000251794

Lender

Name	VERNAL BAY INVESTMENTS LLC
Type	Non-Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jun 7, 2023
Property Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Document Number	0000134223
Map Reference	MB 7 PG 39&40
Instrument Date	Apr 28, 2023
Instrument	2023000134223
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717

Mortgage

Document Number	0000134224
Date	Jun 7, 2023
Instrument	2023000134224

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Index	Other
Max Rate	12.5%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 3, 2023
Property Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Document Number	0000000772
Map Reference	MB 7 PG 39&40
Instrument Date	Dec 28, 2022
Instrument	2023000000772
Transaction Type	Transfer
Record Updated	Jan 19, 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	490 ASTER ST, LAGUNA BEACH, CA 92651-1717

February 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 28, 2019
Property Address	490 ASTER ST, LAGUNA BEACH, CA 92651-1717
Document Number	0000063634
Instrument Date	Feb 25, 2019
Instrument	63634
Record Updated	Mar 12, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	490 ASTER ST LAGUNA BEACH CA 926511717, LAGUNA BEACH, CA 92651-1717

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		$4,258,500 (+2%) Land $4,109,475 Building $149,025
2025	$43,457.00 (+62.62%)	$4,175,000 (+192.37%) Land $4,028,897 Building $146,103
2024	$26,723.00 (+70.02%)
2023	$15,718.00 (+693.44%)	$1,428,000 Land $1,367,800 Building $60,200
2022	$1,981.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1997–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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	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 595 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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