520 Cliff Dr, Laguna Beach, CA 92651 Property Records

Orange County property record for 520 Cliff Dr, Laguna Beach, CA 92651

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 3.5 ba · 1,400 sqft · built 1961
Lot Size	0.266 acres (11,584 sqft)
Owner	2 Company Names on Record
Last Sale	$1,440,000 (Nov 2022)
Tax Bill	$128,772 (2025)
Deeds & Mortgages	Nov 2023 Transfer Nov 2022 Sale & Mortgage + 14 more
Flood Zone	Zone X (minimal risk)
APN	`496-183-09`

Property Details

APN / Parcel Number

Primary APN	`496-183-09`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,400 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Multi-Family
Lot Area	11,584 sqft (0.266 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 CLIFF DR, 303
City	LAGUNA BEACH
State	CA
Zip	92651-1481
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	A TR LAGUNA CLIFFS BLK 35 LOT 1
Legal Subdivision	LAGUNA CLIFFS TRACT
Legal Tract	412
Legal Block	35
Legal Lot Number	1
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3030
Census Tract	62656

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	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Intrafamily Transfer, Transfer
Nov 18, 2022	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Dec 6, 2021	Intrafamily Transfer, Transfer WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA
Nov 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Sep 19, 2019	Deed of Trust, Mortgage · ARM 5TH STREET CAPITAL INC
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Feb 11, 2021	Intrafamily Transfer, Transfer
Feb 11, 2021	Intrafamily Transfer, Transfer
Feb 11, 2021	Intrafamily Transfer, Transfer
Jan 24, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Jul 17, 2018	Intrafamily Transfer, Transfer · ARM ROYAL PACIFIC FUNDING CORP
Jul 3, 2018	Deed of Trust, Mortgage ROYAL PACIFIC FNDG
Mar 28, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Sep 22, 2014 · Amount on Record
Deed Document Number	2022384122
Last Transfer Date	Nov 10, 2023
Transfer Doc	0000279087
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 15, 2023
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000279087
Map Reference	MB 4 PG 58&59
Instrument Date	Nov 10, 2023
Instrument	2023000279087
Transaction Type	Transfer
Record Updated	Dec 5, 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
Relationship	Family Trust
Address	293 ROSEMONT AVE, PASADENA, CA 91103-3551

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Nov 18, 2022
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000384122
Map Reference	MB 4 PG 58&59
Instrument Date	Nov 1, 2022
Instrument	2022000384122
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Community Property with Right of Survivorship
Address	520 CLIFF DR APT 303, 303, LAGUNA BEACH, CA 92651-1481

Mortgage

Document Number	0000384123
Date	Nov 18, 2022
Instrument	2022000384123

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.05%
Type Change Date	Feb 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Dec 6, 2021
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000733654
Map Reference	MB 4 PG 58&59
Instrument Date	Nov 23, 2021
Instrument	2021000733654
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

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	520 CLIFF DR APT 203, 203, LAGUNA BEACH, CA 92651-1481

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 16, 2021
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000701492
Map Reference	MB 4 PG 58&59
Instrument Date	Nov 6, 2021
Instrument	2021000701492
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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
Relationship	Joint Tenants
Address	520 CLIFF DR APT 203, 203, LAGUNA BEACH, CA 92651-1481

Mortgage

Document Number	0000701493
Date	Nov 16, 2021
Instrument	2021000701493

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CLIFF DR 202, 202, LAGUNA BEACH, CA 92651-1466

Mortgage

Document Number	0000479523
Date	Jul 28, 2021
Instrument	2021000479523

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17293 HIGH ROAD, PALM SPRINGS, CA 92262

Mortgage

Document Number	0000476457
Date	Jul 27, 2021
Instrument	2021000476457

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.95%
Index	1-Year CMT
Max Rate	10.9%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000360188
Date	Sep 19, 2019
Instrument	2019000360188

Lender

Name	5TH STREET CAPITAL INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	10.2%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043109
Date	Feb 13, 2019
Instrument	2019000043109

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Feb 11, 2021
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000099329
Map Reference	MB 4 PG 58&59
Instrument Date	Feb 2, 2021
Instrument	2021000099329
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 LAGUNA AVE, LAGUNA BEACH, CA 92651-2119

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Feb 11, 2021
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000099331
Map Reference	MB 4 PG 58&59
Instrument Date	Feb 2, 2021
Instrument	2021000099331
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 LAGUNA AVE, LAGUNA BEACH, CA 92651-2119

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Feb 11, 2021
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000099330
Map Reference	MB 4 PG 58&59
Instrument Date	Feb 2, 2021
Instrument	2021000099330
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	265 LAGUNA AVE, LAGUNA BEACH, CA 92651-2119

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 24, 2019
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000023451
Map Reference	MB 4 PG 58&59
Instrument Date	Oct 29, 2018
Instrument	2019000023451
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WFG NATIONAL TITLE COMPANY

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	520 CLIFF DR APT 203, 203, LAGUNA BEACH, CA 92651-1481

Mortgage

Document Number	0000023452
Date	Jan 24, 2019
Instrument	2019000023452

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jul 17, 2018
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000259351
Map Reference	MB4 PG58&59
Instrument Date	Jul 9, 2018
Instrument	2018000259351
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	WFG NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CLIFF DR APT 304, 304, LAGUNA BEACH, CA 92651-1481

Mortgage

Document Number	0000259352
Date	Jul 17, 2018
Instrument	2018000259352

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Index	1-Year LIBOR
Margin	5
Max Rate	11%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000259352
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CLIFF DR #304 LAGUNA BEACH CA 926511481, 304, LAGUNA BEACH, CA 92651-1481

Mortgage

Document Number	0000259352
Date	Jul 17, 2018
Instrument	259352

Lender

Name	ROYAL PACIFIC FNDG
Type	Funding / Finance Company
Address	COSTA MESA, CA 91203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 28, 2018
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000110614
Instrument Date	Mar 13, 2018
Instrument	110614
Transaction Type	Transfer
Record Updated	Apr 5, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	16880 SAINT JAMES DR POWAY CA 920641137, POWAY, CA 92064-1137

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	520 CLIFF DR, LAGUNA BEACH, CA 92651-1404
Document Number	0000086635
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	25 LOS MONTEROS DR DANA POINT CA 926294149, DANA POINT, CA 92629-4149

Mortgage

Document Number	0000086635
Date	Mar 1, 2017
Instrument	86635

Lender

Name	WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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		$12,440,051 (+6.4%) Land $9,965,827 Building $2,474,224
2025	$128,772.00 (+8.54%) Homeowner's exemption	$11,691,764 (+7.85%) Land $9,261,586 Building $2,430,178
2023	$118,642.00 (+21%) Homeowner's exemption	$10,840,475 Land $8,504,654 Building $2,335,821
2022	$98,052.00

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

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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 95% of the US · lower than 97% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Frontier.

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