703 Emerald Bay, Laguna Beach, CA 92651 Property Records

Orange County property record for 703 Emerald Bay, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,332 sqft · built 1957
Lot Size	0.182 acres (7,917 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,195 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jun 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`053-032-08`

Property Details

APN / Parcel Number

Primary APN	`053-032-08`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,332 sqft Living Area
1st Floor Area	2,332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	7,917 sqft (0.182 acres)
View / Lot	Good
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	703 EMERALD BAY
City	LAGUNA BEACH
State	CA
Zip	92651-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1092 BLK LOT 123
Legal Subdivision	TRACT 1092
Legal Tract	1092
Legal Lot Number	123
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2034
Census Tract	62656

Owner

703 Emerald Bay is owner-occupied and held in a trust since May 1997.

Source: Orange County records, as of August 4, 2026

Owner of Record	2 Trust Names on File
Mailing Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 1, 2020	Deed of Trust, Mortgage PREMIER AMERICA CU
Dec 31, 2019	Deed of Trust, Mortgage PREMIER AMERICA CU
Jun 20, 2019	Deed of Trust, Mortgage PREMIER AMERICA CU
Apr 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 5, 2019	Quit Claim Deed, Transfer 5TH STREET CAP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 9, 1997
Transfer Doc	0000417774
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220

Mortgage

Document Number	0000013245
Date	Jan 8, 2021
Instrument	2021000013245

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Document Number	0000260229
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	FIRST AMERICAN TITLE COMPANY GLENDALE, FIRST AMERICAN TITLE CO GLENDA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	703 EMERALD BAY LAGUNA BEACH CA 926511220, LAGUNA BEACH, CA 92651-1220

Mortgage

Document Number	0000260229
Date	Jun 9, 2020
Instrument	260229

Lender

Name	PREMIER AMERICA CU
Address	19867 PRAIRIE ST, CHATSWORTH, CA 91311-6532

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Document Number	0000008373
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	703 EMERALD BAY LAGUNA BEACH CA 926511220, LAGUNA BEACH, CA 92651-1220

Mortgage

Document Number	0000008373
Date	Jan 8, 2020
Instrument	8373

Lender

Name	PREMIER AMERICA CU
Address	19867 PRAIRIE ST, CHATSWORTH, CA 91311-6532

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Document Number	0000232550
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 10, 2019
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	703 EMERALD BAY LAGUNA BEACH CA 926511220, LAGUNA BEACH, CA 92651-1220

Mortgage

Document Number	0000232550
Date	Jul 1, 2019
Instrument	232550

Lender

Name	PREMIER AMERICA CU
Address	19867 PRAIRIE ST, CHATSWORTH, CA 91311-6532

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 24, 2019
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Document Number	0000133343
Instrument Date	Apr 16, 2019
Instrument	133343
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	703 EMERALD BAY LAGUNA BEACH CA 926511220, LAGUNA BEACH, CA 92651-1220

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 5, 2019
Property Address	703 EMERALD BAY, LAGUNA BEACH, CA 92651-1220
Document Number	0000068706
Instrument Date	Feb 26, 2019
Instrument	68706
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

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	703 EMERALD BAY LAGUNA BEACH CA 926511220, LAGUNA BEACH, CA 92651-1220

Mortgage

Document Number	68707
Date	Mar 5, 2019
Instrument	68707

Lender

Name	5TH STREET CAP INC
Address	2020 CAMINO DEL RIO N # 300, SAN DIEGO, CA 92108-1543

Agreement

Amount	Amount on Record
Term	480 Months
Due	Mar 4, 2059

Interest

Rate Type	Adjustable Rate
Rate	6.25%

Tax Assessment & Valuation

The 2025 property tax bill for 703 Emerald Bay was $6,195 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Unified School District	Laguna Beach Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$626,930 (+2%) Land $350,563 Building $276,367
2025	$6,195.00 Homeowner's exemption	$614,638 Land $343,689 Building $270,949
2023	$5,931.00 (+1.92%) Homeowner's exemption	$590,772 Land $330,343 Building $260,429
2022	$5,819.00

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

Flood

FEMA maps place 703 Emerald Bay in Zone X, an area of minimal flood risk.

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 File median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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

Wildfire risk around 703 Emerald Bay is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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