938 Emerald Bay, Laguna Beach, CA 92651 Property Records

Orange County property record for 938 Emerald Bay, Laguna Beach, CA 92651

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,938 sqft · built 1960
Lot Size	0.203 acres (8,874 sqft)
Owner	Owner Name on Record
Last Sale	$1,425,000 (Jul 1999)
Tax Bill	$22,200 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-021-25`

Property Details

APN / Parcel Number

Primary APN	`053-021-25`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,938 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Lot Area	8,874 sqft (0.203 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	938 EMERALD BAY
City	LAGUNA BEACH
State	CA
Zip	92651-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 1092 BLK LOT 85
Legal Subdivision	1092
Legal Tract	1092
Legal Lot Number	85
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2034
Census Tract	62656

Owner

Source: Orange County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	938 EMERALD BAY, LAGUNA BEACH, CA 92651-1238
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 1999 · Amount on Record
Deed Sale	Jul 30, 1999 · Amount on Record
Prior Sale	Jul 30, 1999 · Amount on Record
Deed Document Number	0000559717
Deed Book / Page	053
Last Transfer Date	Mar 8, 2006
Transfer Doc	0000152575
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	938 EMERALD BAY, LAGUNA BEACH, CA 92651-1238
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 EMERALD BAY, LAGUNA BEACH, CA 92651-1238

Mortgage

Document Number	0000283829
Date	Apr 28, 2021
Instrument	2021000283829

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	938 EMERALD BAY, LAGUNA BEACH, CA 92651-1238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223199
Date	May 18, 2020
Instrument	2020000223199

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

Source: Orange County assessment roll, as of July 1, 2025

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
2025	$22,200.00 (+4.41%) Homeowner's exemption	$2,190,205 (+4.04%) Land $2,011,494 Building $178,711
2023	$21,262.00 (+1.92%) Homeowner's exemption	$2,105,157 Land $1,933,385 Building $171,772
2022	$20,862.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 68% of the US · above 43% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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