98 Ritz Cove Dr, Dana Point, CA 92629 Property Records

Orange County property record for 98 Ritz Cove Dr, Dana Point, CA 92629

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 7,354 sqft · built 1990
Lot Size	0.331 acres (14,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,690,000 (Feb 1997)
Tax Bill	$31,377 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`672-451-48`

Property Details

APN / Parcel Number

Primary APN	`672-451-48`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	7,354 sqft Living Area
Gross Area	10,012 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Roof Material	Tile
Lot Area	14,410 sqft (0.331 acres)
View / Lot	Ocean
Garage Area	2,658 sqft
Parking Spaces	9 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	98 RITZ COVE DR
City	DANA POINT
State	CA
Zip	92629-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12674 BLK LOT 7
Legal Tract	12674
Legal Lot Number	7
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3001
Census Tract	42323

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	98 RITZ COVE DR, DANA POINT, CA 92629-4231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2018	Reverse Mortgage, Mortgage FINANCE OF AMERICA REVERSE
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage ALLSTAR CAPITAL GROUP INC ALLSTAR CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 1997 · Amount on Record
Deed Sale	Feb 14, 1997 · Amount on Record
Deed Document Number	199770692
Record Updated	Sep 20, 2026

August 2018: Reverse Mortgage, Mortgage

Document Type	Reverse Mortgage
Jurisdiction	ORANGE CA
Recording Date	Aug 21, 2018
Property Address	98 RITZ COVE DR, DANA POINT, CA 92629-4231
Instrument Date	Aug 16, 2018
Instrument	306394
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	TICOR TITLE-SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	98 RITZ COVE DR DANA POINT CA 926294231, DANA POINT, CA 92629-4231

Mortgage

Document Number	0000306394
Date	Aug 21, 2018
Instrument	306394

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	98 RITZ COVE DR, DANA POINT, CA 92629-4231
Document Number	0000058544
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	98 RITZ COVE DR DANA POINT CA 926294231, DANA POINT, CA 92629-4231

Mortgage

Document Number	0000058544
Date	Feb 9, 2017
Instrument	58544

Lender

Name	ALLSTAR CAPITAL GROUP INC ALLSTAR CAPITAL GROUP INC
Type	Funding / Finance Company
Address	ENCINITAS, CA 92024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Dana Point City
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,807,572 (+2%) Land $862,883 Building $1,944,689
2025	$31,377.00 (+7.56%) Homeowner's exemption	$2,752,522 (+4.04%) Land $845,964 Building $1,906,558
2023	$29,171.00 (+2.44%) Homeowner's exemption	$2,645,639 Land $813,114 Building $1,832,525
2022	$28,477.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (1995–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SOUTH COAST WATER DISTRICT serves 41,194 people · EPA ID CA3010042
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2021–2023) 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 99 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

May also be available: AT&T, GeoLinks.

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