640 Ross St, Costa Mesa, CA 92627 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,878 sqft · built 1955
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Aug 2017)
Tax Bill	$9,643 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`422-232-17`

Property Details

APN / Parcel Number

Primary APN	`422-232-17`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,878 sqft Living Area
1st Floor Area	1,878 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	6,600 sqft (0.152 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	640 ROSS ST
City	COSTA MESA
State	CA
Zip	92627-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1986 BLK LOT 79
Legal Subdivision	TRACT NO 1986
Legal Tract	1986
Legal Lot Number	79
Jurisdiction	ORANGE CA
Township / Civil Division	CENTRAL COAST
Census Block Group	1
Census Block	1004
Census Tract	63701

Owner

640 Ross St is owned and occupied by two individuals who acquired it in September 2017.

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 Individual Names on File
Mailing Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2017	Deed of Trust, Mortgage · ARM FREEDOM MORTGAGE CORP
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STANDARD FINANCIAL CORP FIRST STANDARD FINANCIAL CORP
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Oct 16, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 28, 2017	Quit Claim Deed, Transfer EQUITY TITLE COMPANY, EQUITY TITLE
Aug 28, 2017	Deed, Transfer EQUITY TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on File
Deed Sale	Aug 28, 2017 · Amount on File
Prior Sale	Oct 16, 2015 · Amount on File
Deed Document Number	2017365155
Last Transfer Date	Sep 11, 2017
Transfer Doc	0000438995
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118924
Date	Mar 24, 2017
Instrument	2017000118924

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Document Number	0000763987
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 ROSS ST COSTA MESA CA 926273412, COSTA MESA, CA 92627-3412

Mortgage

Document Number	0000763987
Date	Dec 24, 2020
Instrument	763987

Lender

Name	FIRST STANDARD FINANCIAL CORP FIRST STANDARD FINANCIAL CORP
Type	Bank
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 23, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Document Number	0000236357
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 ROSS ST COSTA MESA CA 926273412, COSTA MESA, CA 92627-3412

Mortgage

Document Number	0000236357
Date	Jul 3, 2019
Instrument	236357

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 16, 2017
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Document Number	0000438995
Instrument Date	Sep 11, 2017
Instrument	438995
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 ROSS ST COSTA MESA CA 926273412, COSTA MESA, CA 92627-3412

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 28, 2017
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Document Number	0000365154
Instrument Date	Jul 27, 2017
Instrument	365154
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	640 ROSS ST COSTA MESA CA 926273412, COSTA MESA, CA 92627-3412

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 28, 2017
Property Address	640 ROSS ST, COSTA MESA, CA 92627-3412
Document Number	0000365155
Map Reference	MB72 PG41&42
Instrument Date	May 12, 2017
Instrument	2017000365155
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	EQUITY TITLE CO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 ROSS ST, COSTA MESA, CA 92627-3412

Tax Assessment & Valuation

The 2025 property tax bill for 640 Ross St was $9,643.

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		$832,825 (+2%) Land $676,581 Building $156,244
2025	$9,643.00	$816,496 Land $663,315 Building $153,181
2023	$9,146.00 (+2.94%)	$784,792 Land $637,558 Building $147,234
2022	$8,885.00

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

Flood

FEMA maps place 640 Ross St in Zone X, an area of minimal flood risk.

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

The area around 640 Ross St has no burnable land within ember reach, so its wildfire risk is not rated.

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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