Orange County property record for 860 Diamond St, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,061 sqft · built 2002 |
| Lot Size | 0.242 acres (10,562 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $36,806 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage May 2019 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-302-50 |
| Primary APN | 644-302-50 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,061 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Lot Area | 10,562 sqft (0.242 acres) |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 860 DIAMOND ST |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 764 BLK LOT 203 TR 764 LOTS 203 AND 204 TOGETHER WITH POR OF LOT |
| Legal Subdivision | SUNSET HILLS TRACT |
| Legal Tract | 764 |
| Legal Lot Number | 203,204 5 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 62620 |
Source: Orange County records · APN 644-302-50
Assessment roll updated July 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| May 21, 2019 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Nov 13, 2018 | Deed of Trust, Mortgage · ARM UNITED SAVINGS BANK |
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jan 26, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage EQUITABLE HOME MORTGAGE INC |
| Oct 04, 2019 | Deed of Trust, Mortgage UNION SVGS |
| Nov 23, 2018 | Deed of Trust, Mortgage UNION SVGS |
| Nov 01, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Prior Sale | Mar 07, 2016 · Amount on Record |
| Last Transfer Date | Jan 26, 2021 |
| Transfer Doc | 0000055188 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | CALIFORNIA TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000135132 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 2018000135132 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | CALIFORNIA TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000172228 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 2019000172228 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Apr 01, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | CALIFORNIA TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000408409 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 2018000408409 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Dec 01, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000627425 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021000627425 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Nov 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jan 26, 2021 |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000055188 |
| Map Reference | MB 23 PG 11-17 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 2021000055188 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | LAWYERS TITLE IE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000055189 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 2021000055189 |
| Name | EQUITABLE HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Feb 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000393576 |
| Instrument Date | Oct 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 860 DIAMOND ST LAGUNA BEACH CA 926513410, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000393576 |
|---|---|
| Date | Oct 09, 2019 |
| Instrument | 393576 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 08, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000445664 |
| Instrument Date | Nov 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 860 DIAMOND ST LAGUNA BEACH CA 926513410, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000445664 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 445664 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 27, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 860 DIAMOND ST, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000408408 |
| Instrument Date | Nov 01, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | CALIFORNIA TITLE COMPANY, CALIFORNIA TITLE CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 860 DIAMOND ST LAGUNA BEACH CA 926513410, LAGUNA BEACH, CA 92651-3410 |
| Document Number | 0000408408 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 408408 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
Source: Orange County records · Assessment roll updated July 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | Laguna Beach City |
| Unified School District | Laguna Beach Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $36,806.00 (+3.64%) | $3,520,331 (+4.04%) Land $2,416,827 Building $1,103,504 |
| 2023 | $35,515.00 (+2.09%) | $3,383,633 Land $2,322,979 Building $1,060,654 |
| 2022 | $34,788.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (1983–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Feb 2024 · Severe Storms And Flooding |
| Wildfire Risk | Moderate above 50% of the US · lower than 70% of California |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 522 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAGUNA BEACH COUNTY WD serves 18,862 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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