Orange County property record for 862 Acapulco St, Laguna Beach, CA 92651
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,554 sqft · built 1986 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $825,000 (Sep 2003) |
| Tax Bill | $12,961 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 644-464-20 |
| Primary APN | 644-464-20 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,554 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Area | 1,170 sqft |
| Parking Spaces | 5 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 862 ACAPULCO ST |
|---|---|
| City | LAGUNA BEACH |
| State | CA |
| Zip | 92651-3802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A TR ARCH BEACH HEIGHTS BLK 54 LOT 5 ARCH BEACH HEIGHTS LOT 5 BLK 54(AND LOT 6 BLK 54 |
| Legal Subdivision | ARCH BEACH HEIGHTS |
| Legal Tract | 24 |
| Legal Block | 54 |
| Legal Lot Number | 5,6 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 62620 |
862 Acapulco St is owned by a company that acquired it in January 2019.
Source: Orange County records, as of August 26, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 862 ACAPULCO ST, LAGUNA BEACH, CA 92651-3802 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Jan 11, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage MCGOWAN ROBERT D TRUST (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2003 · Amount on File |
| Deed Sale | Sep 30, 2003 · Amount on File |
| Deed Document Number | 20031194559 |
| Last Transfer Date | Jan 8, 2019 |
| Transfer Doc | 0000010965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 862 ACAPULCO ST, LAGUNA BEACH, CA 92651-3802 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 862 ACAPULCO ST, LAGUNA BEACH, CA 92651-3802 |
| Document Number | 0000717291 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 2021000717291 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jan 11, 2019 |
| Property Address | 862 ACAPULCO ST, LAGUNA BEACH, CA 92651-3802 |
| Document Number | 0000010965 |
| Instrument Date | Jan 8, 2019 |
| Instrument | 10965 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2019 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 862 ACAPULCO ST LAGUNA BEACH CA 926513802, LAGUNA BEACH, CA 92651-3802 |
| Document Number | 10966 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 10966 |
| Name | MCGOWAN ROBERT D TRUST (PT) |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 862 Acapulco St was $12,961.
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 | $1,196,431 (+2%) Land $751,079 Building $445,352 | |
| 2025 | $12,961.00 | $1,172,972 Land $736,352 Building $436,620 |
| 2023 | $12,675.00 (+2.42%) | $1,127,425 Land $707,759 Building $419,666 |
| 2022 | $12,376.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 862 Acapulco St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 | 8 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2004 · rainfall accumulation |
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 862 Acapulco St is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 42% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 729 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cox Communications Cable | 2,000 / 100 |
May also be available: T-Mobile, Verizon.
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