528 Flora St, Laguna Beach, CA 92651 Property Records

Orange County property record for 528 Flora St, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 458 sqft · built 1930
Lot Size	0.069 acres (3,001 sqft)
Owner	2 Company Names on Record
Last Sale	$310,500 (May 2002)
Tax Bill	$10,454 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`644-255-07`

Property Details

APN / Parcel Number

Primary APN	`644-255-07`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	458 sqft Living Area
1st Floor Area	458 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	3,001 sqft (0.069 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	528 FLORA ST
City	LAGUNA BEACH
State	CA
Zip	92651-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A TR LAGUNA HEIGHTS # 3 BLK 38 LOT 18
Legal Subdivision	LAGUNA HEIGHTS #3
Legal Tract	415
Legal Block	38
Legal Lot Number	18
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2004
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	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Mar 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PRIME CHOICE FUNDING INC
Mar 1, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage E MORTGAGE CAPITAL INC
Jul 2, 2020	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2002 · Amount on Record
Deed Sale	May 7, 2002 · Amount on Record
Deed Document Number	2002379859
Prior Transfer Date	Apr 4, 1996
Prior Transfer Doc	0000215350
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Transaction Type	Mortgage
Record Updated	Nov 16, 2022
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348

Mortgage

Document Number	0000355458
Date	Nov 7, 2022
Instrument	2022000355458

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000533661
Date	Dec 20, 2019
Instrument	2019000533661

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Mar 1, 2021
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Document Number	0000141347
Map Reference	MB 8 PG 1
Instrument Date	Nov 16, 2020
Instrument	2021000141347
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

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	528 FLORA ST, LAGUNA BEACH, CA 92651-3348

Mortgage

Document Number	0000141348
Date	Mar 1, 2021
Instrument	2021000141348

Lender

Name	PRIME CHOICE FUNDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Mar 1, 2021
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Document Number	0000141349
Map Reference	MB 8 PG 1
Instrument Date	Nov 16, 2020
Instrument	2021000141349
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Revocable Trust
Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jul 2, 2020
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Document Number	0000313863
Map Reference	MB 8 PG 1
Instrument Date	Jun 27, 2020
Instrument	2020000313863
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	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	PO BOX 732, LAGUNA BEACH, CA 92652-0732

Mortgage

Document Number	0000313864
Date	Jul 2, 2020
Instrument	2020000313864

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 2, 2020
Property Address	528 FLORA ST, LAGUNA BEACH, CA 92651-3348
Document Number	0000313865
Instrument Date	Jun 27, 2020
Instrument	313865
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 732 LAGUNA BEACH CA 926520732, LAGUNA BEACH, CA 92652-0732

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		$748,775 (+2%) Land $683,659 Building $65,116
2025	$10,454.00 (+25.44%) Homeowner's exemption	$734,094 (+1%) Land $670,254 Building $63,840
2023	$8,334.00 (+7.74%) Homeowner's exemption	$667,362 Land $644,227 Building $23,135
2022	$7,735.00

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
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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