640 Beach St, Costa Mesa, CA 92627 Property Records

Orange County property record for 640 Beach St, Costa Mesa, CA 92627

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,495 sqft · built 1955
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Feb 2020)
Tax Bill	$10,198 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`422-241-17`

Property Details

APN / Parcel Number

Primary APN	`422-241-17`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,495 sqft Living Area
1st Floor Area	1,495 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	6,600 sqft (0.152 acres)
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	640 BEACH ST
City	COSTA MESA
State	CA
Zip	92627-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1986 BLK LOT 43
Legal Subdivision	TRACT NO 1986
Legal Tract	1986
Legal Lot Number	43
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1003
Census Tract	63701

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 Individual Names on Record
Mailing Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ANDREWS FCU
Feb 26, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 27, 2017	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Prior Sale	Sep 27, 2017 · Amount on Record
Deed Document Number	202082684
Prior Transfer Date	Apr 5, 2005
Prior Transfer Doc	0000468637
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 BEACH ST, COSTA MESA, CA 92627-3409

Mortgage

Document Number	0000194168
Date	Aug 11, 2023
Instrument	2023000194168

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 BEACH ST, COSTA MESA, CA 92627-3409

Mortgage

Document Number	0000182195
Date	Mar 16, 2021
Instrument	2021000182195

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044467
Date	Feb 13, 2019
Instrument	2019000044467

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Feb 26, 2020
Property Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Document Number	0000082684
Map Reference	MB 72 PG 41&42
Instrument Date	Feb 10, 2020
Instrument	2020000082684
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO 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	640 BEACH ST, COSTA MESA, CA 92627-3409

Mortgage

Document Number	0000082685
Date	Feb 26, 2020
Instrument	2020000082685

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Sep 27, 2017
Property Address	640 BEACH ST, COSTA MESA, CA 92627-3409
Document Number	0000410573
Map Reference	MB72 PG41&42
Instrument Date	Aug 29, 2017
Instrument	2017000410573
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	663 W MOUNTAIN VISTA DR, PHOENIX, AZ 85045-0628
Investor	Possibly a Property Investor

Mortgage

Document Number	0000410574
Date	Sep 27, 2017
Instrument	2017000410574

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Costa Mesa City
Unified School District	Newport-Mesa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$886,834 (+2%) Land $822,429 Building $64,405
2025	$10,198.00 (+5.36%)	$869,446 (+4.04%) Land $806,303 Building $63,143
2023	$9,679.00 (+2.87%)	$835,686 Land $774,994 Building $60,692
2022	$9,409.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land 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	MESA WATER DISTRICT serves 110,000 people · EPA ID CA3010004
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
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 769 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Cosmo Network Solutions, GeoLinks, T-Mobile.

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