Orange County property record for 540 Oak St, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,104 sqft · built 1958 |
| Lot Size | 0.104 acres (4,538 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $15,723 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-097-38 |
| Primary APN | 644-097-38 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 1,354 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Lot Area | 4,538 sqft (0.104 acres) |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|
| Street Address | 540 OAK ST |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-2919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S TWP 7 RGE 9 SEC 25 SEC 25 T 7 R 9 LOT 36.3 X 125 FT IN SE1/4 NW1/4 |
| Legal Lot Number | 36 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 62619 |
540 Oak St is held in a trust since September 2010.
Source: Orange County records, as of August 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 15 CABRILLO WAY, LAGUNA BEACH, CA 92651-6790 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2008 |
| Deed Sale | Jan 17, 2008 |
| Prior Sale | Jul 22, 2004 · Amount on File |
| Deed Document Number | 200825251 |
| Last Transfer Date | Sep 17, 2010 |
| Transfer Doc | 0000471151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 540 OAK ST, LAGUNA BEACH, CA 92651-2919 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 15 CABRILLO WAY, LAGUNA BEACH, CA 92651-6725 |
| Document Number | 0000647342 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2021000647342 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 540 OAK ST, LAGUNA BEACH, CA 92651-2919 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000365226 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 2019000365226 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 540 Oak St was $15,723.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Beach City |
| Unified School District | Laguna Beach Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,473,760 (+2%) Land $1,374,606 Building $99,154 | |
| 2025 | $15,723.00 | $1,444,863 Land $1,347,653 Building $97,210 |
| 2023 | $15,320.00 (+2.32%) | $1,388,758 Land $1,295,322 Building $93,436 |
| 2022 | $14,972.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 540 Oak St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1993.
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 | 2 in force |
| Nearby Flood Claims | 6 (1993–2019) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Feb 2019 · other causes |
| Claims by Event |
|
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 risk around 540 Oak St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 913 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 |
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