2177 Glenneyre St by mwidman-wfgnationaltitle

2177 GLENNEYRE STREET

LAGUNA BEACH, CA 92651

Property Details

Maps

Local

Title & Escrow

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

PROPERTY DETAILS

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06

ORANGE COUNTY CA

Owner Information

Owner Name: SEFTON GARY YANK TR THE SEFTON FAMILY TR / Vesting:

Mail Address: 2177 GLENNEYRE ST LAGUNA BEACH CA 92651

Owner Status:

Location Information

Legal Desc: A TR ARCH BEACH BLK 16 LOT 1 ARCH BEACH LOT 1 BLK 16 SELY 50 FT OF LOT

County: ORANGE

Census/Block: 062620 / 2045

Tsp-Rng-Sec: T-R-S

Lot / Block: Lot: 1 Block: 16

Housing Tract: ARC BEACH

Last Market Sale

Date: 1993-09-24/1993-08-27

Alt Parcel #

School District: LAGUNA BEACH UNIFIED

Municipality:

Parcel #: 644-283-06

Lender: SELLER

Sale Price: 260000 Loan: 195000

Document #: 1993.647524

Doc Type:

$ Sqft: $162.60

Document #:

Loan Type: CONVENTIONAL

Loan Term: Prior Sale Information

Date: / Lender: Price: Loan:

Document #:

Doc Type:

Document #:

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06 ORANGE COUNTY CA

Property Characteristics

Gross Area: 1599

Living Area: 1599

Garage Area: 324

Interior Wall

Above Grade: 1,599 Foundation: Patio Type:

Bedrooms: 2

Bath (F/H): 2/1

Fireplace:

Basement:

Property Information Land Use: SFR

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

MAPS

ASSESSOR MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

STREET MAP

AERIAL MAP

CITY BOUNDARY MAP

SCHOOLS

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06

ORANGE COUNTY CA

Laguna Beach Unified

Elementary Schools

Top of the World Elementary

21601 Tree Top Ln Laguna Beach CA 92651

949-497-7790

Area Desc:

Grades: KG to 05 Distance: 1.66 Miles

Charter School: N

El Morro Elementary

Magnet School: N

8681 N Coast Hwy Laguna Beach CA 92651

Title One: NO

949-497-7780

Area Desc:

Grades: KG to 05 Distance: 4.31 Miles

Charter School: N

Middle Schools

Thurston Middle

Magnet School: N

2100 Park Ave Laguna Beach CA 92651

Grades: 06 to 08

Charter School: N

Magnet School: N

Title One: AEP

949-497-7785

Area Desc:

Distance: 1.55 Miles

Title One: NO High Schools

Laguna Beach High

625 Park Ave Laguna Beach CA 92651

949-497-7750

Area Desc:

Grades: 09 to 12 Distance: 1.23 Miles

Charter School: N

Magnet School: N

Title One: NO

DISTRICTPERFORMANCEOVERVIEW

LagunaBeachUnified

ExploretheperformanceofLagunaBeachUnifiedunderCalifornia'sAccountability System System

ImplementationofAcademic Standards

InformationalPurposes

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NoPerformanceColorin2024

DistrictDetails NAME

LAGUNABEACHUNIFIED

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LAGUNABEACHUNIFIED

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LAGUNABEACHUNIFIED

AcademicEngagement

Seeinformationthatshowshowwellschoolsareengagingstudents intheirlearning

LEARNMORE ChronicAbsenteeism

86%chronicallyabsent Declined56%▼

EQUTYREPORT NumberoStudentGroupsnEachCoor

LocalIndicators

LEARNMORE AccesstoaBroadCourseof Study STANDARDMET

GraduationRate

Increased28%▲

LAGUNABEACHUNIFIED Conditions&Climate

Viewdatarelatedtohowwellschoolsareprovidingahealthy,safe andwelcomingenvironment

LEARNMORE SuspensionRate

29%suspendedatleastoneday Increased08%▲

EQUTYREPORT NumberoStudentGroupsnEachCoor

LocalIndicators

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LAGUNABEACHUNIFIED InformationalPurposes

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SCHOOLPERFORMANCEOVERVIEW

TopoftheWorldElementary

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ChronicAbsenteeism

InformationalPurposes

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NoPerformanceColorin2024

SchoolDetails

TOPOFTHEWORLDELEMENTARY

StudentPopulation

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TOPOFTHEWORLDELEMENTARY AcademicPerformance

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LEARNMORE ChronicAbsenteeism

Green

62%chronicallyabsent Declined45%▼

EQUTYREPORT NumberoStudentGroupsnEachCoor

0 Red 0 Oange 0 Yelow 5 Green 0 Bue

TOPOFTHEWORLDELEMENTARY

Conditions&Climate

Viewdatarelatedtohowwellschoolsareprovidingahealthy,safe andwelcomingenvironment

LEARNMORE SuspensionRate Green

12%suspendedatleastoneday Declined1%▼

EQUTYREPORT NumberoStudentGroupsnEachCoor

TOPOFTHEWORLDELEMENTARY

InformationalPurposes

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LEARNMORE Science

NoPerformanceColorIn2024

76pointsabovestandard 18Points▼

SCHOOLPERFORMANCEOVERVIEW

ThurstonMiddle

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ChronicAbsenteeism

InformationalPurposes

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NoPerformanceColorin2024

SchoolDetails

CHARTER No

DASHBOARDALTERNATIVE SCHOOLSSTATUS No

THURSTONMIDDLE StudentPopulation

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THURSTONMIDDLE AcademicPerformance

ViewStudentAssessmentResultsandotheraspectsofschool performance

Maintained-27Points

Seeinformationthatshowshowwellschoolsareengagingstudents intheirlearning

LEARNMORE ChronicAbsenteeism Green

8%chronicallyabsent Declined32%▼

EQUTYREPORT NumberoStudentGroupsnEachCoor

0 Red 1 Oange 2 Yelow 2 Green 0 Bue

THURSTONMIDDLE

Conditions&Climate

Viewdatarelatedtohowwellschoolsareprovidingahealthy,safe andwelcomingenvironment

LEARNMORE SuspensionRate Orange

74%suspendedatleastoneday Increased45%▲

EQUTYREPORT NumberoStudentGroupsnEachCoor

2 Red 3 Oange 0 Yelow 0 Green 0 Bue

THURSTONMIDDLE

InformationalPurposes

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LEARNMORE Science NoPerformanceColorIn2024 35pointsabovestandard 27Points▼

SCHOOLPERFORMANCEOVERVIEW

LagunaBeachHigh

ExploretheperformanceofLagunaBeachHighunderCalifornia'sAccountability ExploretheperformanceofLagunaBeachHighunderCalifornia'sAccountability System System SuspensionRate

InformationalPurposes

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NoPerformanceColorin2024

SchoolDetails

NAME LagunaBeachHigh

CHARTER No

LAGUNABEACHHIGH

StudentPopulation

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LAGUNABEACHHIGH

AcademicPerformance

ViewStudentAssessmentResultsandotheraspectsofschool performance

Seeinformationthatshowshowwellschoolsareengagingstudents intheirlearning

LEARNMORE GraduationRate

996%graduated Increased25%▲

EQUTYREPORT NumberoStudentGroupsnEachCoor

0 Red 0 Oange 0 Yelow 0 Green 3 Bue

LAGUNABEACHHIGH

Conditions&Climate

Viewdatarelatedtohowwellschoolsareprovidingahealthy,safe andwelcomingenvironment

LEARNMORE SuspensionRate

22%suspendedatleastoneday Maintained-02%

EQUTYREPORT NumberoStudentGroupsnEachCoor

0 Red 3 Oange 1 Yelow 1 Green 1 Bue

LAGUNABEACHHIGH

InformationalPurposes

Explorethefollowingdataelementspresentedforinformational purposesonlyThesedataarenotusedforaccountability determinations

LEARNMORE Science NoPerformanceColorIn2024 08pointsbelowstandard 38Points▲

COMMUNITY

CITY OF LAGUNA BEACH

23,032 POPULATION

2020 Census Data

$90,017

MEDIAN INCOME

2010 Census Data

50.6

Laguna Beach is a city in Orange County, California. Located in Southern California along the Pacific Ocean, this seaside resort city has a mild year-round climate, scenic coves, and environmental preservation efforts. Historically settled by Paleoindians, the Tongva people, and then Mexico, the location became part of the United States following the Mexican–American War. Laguna Beach was settled in the 1870s, officially founded in 1887, and in 1927 its current government was incorporated as a city.

SCHOOL DISTRICTS

 Laguna Beach Unified

HOUSING

2010 Census Data

 60% of homes owner occupied

 40% of homes rented occupied

POPULATION DENSITY

2010 Census Data

 2,313.8 inhabitants per sq. mile

 12,923 housing units at an average density of 1,15.9 per sq. mile

AGE DEMOGRAPHIC

2010 Census Data

 16.1% under age 18

 4.8% between ages 18 to 24

 23.4% between ages 25 to 44

 37.4% between ages 45 to 64

 18.3% above age 65

CITY QUICK FACTS

 9.86 square miles

 53 miles from Los Angeles

 20 feet elevation

 Highest Average Temperature 80º

 Lowest Average Temperature 43º

The city adopted the council–manager form of government in 1944. The city has remained relatively isolated from urban encroachment by its surrounding hills, limited highway access, and dedicated greenbelt

The Laguna Beach coastline is protected by 5.88 miles (9.46 km) of state marine reserve and an additional 1.21 miles (1.95 km) of state conservation area. Tourism is the primary industry with an estimated six million people visiting the community annually. Large annual events include the Pageant of the Masters, Festival of Arts, Sawdust Art Festival, Art-A-Fair, Bluewater Music Festival, and Kelpfest.

ORANGE COUNTY BASE MAP

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06

Animal - Services

Coffee Shops

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06

Offices and Clinics of Chiropractors Name

Offices and Clinics of

Pet Sitting Services

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06 ORANGE COUNTY CA

Pet Sitting Services

2177 GLENNEYRE ST LAGUNA BEACH CA 92651

644-283-06

UTILITIES & RESOURCES

LAGUNA BEACH UTILITIES

Emergency/Police/Medical/Fire 911

Poison Control (800) 222-1222 www.aapcc.org

United States Postal Service (800) 275-8777 www.usps.com

Xfinity (800) 266-2278 www.xfinity.com

Frontier Communications (800) 921-8101 www.frontier.com

Verizon (800) 483-4100 www.verizon.com

AT&T (800) 288-2020 www.att.com

Dish Network (800) 318-0572 www.dish.com

DIRECT TV (800) 531-5000 www.directtv.com

COX (949) 240-1212 www.cox.com

Orange County Register (714) 796-7000 www.ocregister.com

Orange County Transportation (714) 636-7433 www.octa.net

Metrolink (800) 371-LINK (5465) www.metrolinktrains.com

SoCal Gas (800) 427.2200 www.socalgas.com

Southern California Edison S.C.E. (800) 655.4555 www.sce.com

OC Waste Management (949) 642.1191 www.wm.com

South Coast Water District (949) 499.4555 www.scwd.org

Laguna Beach Unified School District (949) 234-9200 www.lbusd.org

CHANGE OF ADDRESS

USPS

Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.

https://moversguide.usps.com

Benefits you will receive when you change your address online are:

 Exclusive mover savings coupons

 Safe and secure with identity verification by a simple $1.00 charge to your credit or debt card

 Email confirmation at the end of registration of your change of address

* Must have valid email address and credit card to register online.

DMV

Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail back to DMV at:

DMV CHANGE OF ADDRESS P. O. Box 942859 Sacramento, CA 94259-0001

www.dmv.ca.gov

General DMV Information Contact: (800) 777-0133

VOTER REGISTRATION

Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail it back to your County Elections Office listed below.

www.registertovote.ca.gov

County Elections Office Contacts

Orange County

1300 South Grand Avenue, Building C

Santa Ana, CA 92705 (714) 567-7600

Registrar of Voters

P.O. Box 11298

Santa Ana, CA 92711-1298

MOVING CHECKLIST

UTILITIES

 Electric

 NW Natural Gas

 Water District

 Sewer District

 Garbage Provider

 Cable/Satellite

 Fuel (Propane)

 Phone Services

 Internet

FINANCIAL INSTITUTIONS

 Banks and Credit Unions

 Credit Card Companies (including department store credit cards)

 Lenders (Mortgage, Home Equity, Auto, Student Loans)

 Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)

 Retirement (Pension plans, 401K, Social Security, Veterans Affairs)

 Investments (Investment Agencies and Brokers)

 Online Bill Payer

 Paypal

GOVERNMENT OFFICES

 US Post Office

 Department of Motor Vehicles (Obtain your driver’s license and change vehicle registration)

 IRS

 Passport Office

 Veteran Affairs

 Unemployment Office (If you are currently receiving unemployment benefits)

HEALTH

 Physician

 Pharmacies

SERVICE PROVIDERS

 Childcare

 Housecleaning Services

 Delivery Services

 Lawn Care Services

 Veterinarian

 Pool Service

MEMBERSHIPS

 Health Clubs

 Membership Clubs (AAA or similar)

 Community Groups (PTA, Neighborhood Associations, Civic Clubs)

 Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs)

SUBSCRIPTIONS

 Newspapers

 Magazine (USPS will only forward 2 months)

 Movie Subscriptions (Netflix, Blockbuster, etc)

 Book or Music Clubs

OTHER

 Friends and Family

 Employers (typically notify the Human Resources Department)

MOVING CHECKLIST

8 WEEKS BEFORE YOUR MOVE

 Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved

 Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

 Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

 Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

 Packing Material: Gather moving boxes and packing material for your move.

 Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

4 WEEKS BEFORE YOUR MOVE

 Start Packing: Begin packing all things destined for your new location.

 Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.

 Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.

 Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch fire during your move.

 Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.

 Borrowed and Rented Items: Return items which you may have borrowed or rented. Collect items borrowed to others.

1 WEEK BEFORE YOUR MOVE

 Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.

 Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.

 Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.

 Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.

 Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..

 Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

MOVING DAY

 Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.

 Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.

 Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.

 Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property.

 Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

THE HOME DEPOT

(800) 466-3337 www.homedepot.com

MOVING RESOURCES

LOWE’S HOME IMPROVEMENT

(800) 445-6937 www.lowes.com

DONATION FACILITIES

Goodwill (800) 741-0186 locator.goodwill.org

The Salvation Army (800) 958-7825 www.salvationarmyusa.org

MOVING COMPANIES

AFD Movers Inc (949) 538-1062 www.afdmovers.com

Best Fit Movers (949) 647-7937 www.bestfitmovers.com

Universal Moving OC (630) 441-6286 www.umovingoc.com

MOVING TRUCK RENTALS

Budget (800) 462-8343 www.budgettruck.com

Penske (888) 996-5415 www.pensketruckrental.com

U-Haul (800) 468-4285 www.uhaul.com

STORAGE COMPANIES

A-1 Self Storage www.a1storage.com

ExtraSpace Storage www.extraspace.com

Public Storage (800) 906-0879 www.publicstorage.com

TRANSFER STATIONS

Garbage/Recycling

Anaheim Transfer Station republicservices.com

Waste Management www.wm.com

Orange County Landfills www.oclandfills.com/landfills

RESOURCE GUIDE

AIRPORT

John Wayne Airport (949) 252-5200 www.ocair.com

LAX Airport (424) 646-5678 www.flylax.com

AUTO & DRIVER REGISTRATION

DMV (800) 777-0133 www.dmv.ca.gov

BUS SERVICE

Orange County Transportation (714) 636-7433 www.octa.net

Metrolink (800) 371-LINK (5465) www.metrolinktrains.com

Greyhound (800) 231-2222 www.greyhound.com

CABLE TV & INTERNET

Verizon (888) 881-8161 www.verizon.com

XFINITY (Comcast) (800) 934-6489 www.comcast.com

CITY CONTACT

Aliso Viejo www.avcity.org

Anaheim www.anaheim.net

CITY CONTACT CONTINUED...

Brea www.ci.brea.ca.us

Buena Park www.buenapark.com

Costa Mesa www.costamesaca.gov

Cypress www.cypressca.org

Dana Point www.danapoint.org

Fountain Valley www.fountainvalley.gov

Fullerton www.cityoffullerton.com

Garden Grove www.ggcity.org

Huntington Beach www.huntingtonbeachca.gov

Irvine www.cityofirvine.org

La Habra www.lahabraca.gov

La Palma www.cityoflapalma.org

Laguna Beach www.lagunabeachcity.net

Laguna Hills www.lagunahillsca.gov

Laguna Niguel www.cityoflagunaniguel.org

Laguna Woods www.cityoflagunawoods.org

Lake Forest www.lakeforestca.gov/en

CITY CONTACT CONTINUED...

Los Alamitos www.cityoflosalamitos.org

Mission Viejo www.cityofmissionviejo.org

Newport Beach www.newportbeachca.gov

Orange www.cityoforange.org

Placentia www.placentia.org

Ranch Santa Margarita www.cityofrsm.org

San Clemente www.san-clemente.org

San Juan Capistrano www.sanjuancapistrano.org

Santa Ana www.santa-ana.org

Seal Beach www.sealbeachca.gov

Stanton www.stantonca.gov

Tustin www.tustinca.org

Villa Park www.villapark.org

Westminster www.westminster-ca.gov

Yorba Linda www.yorbalindaca.gov

RESOURCE GUIDE

COUNTY CONTACTS

Orange County (855) 886-5400 www.ocgov.com

HOSPITALS

Mission Hospital 27700 Medical Center Rd. Mission Viejo, CA 92691 949-364-1400 www.mission4health.com

NH Comprehensive Health 7861 Garden Grove Blvd. Garden Grove, CA 92841 714-898-8888 www.nhanhoa.org

Orange Coast Medical 18111 Brookhurst Street Fountain Valley, CA 92708 714-378-7000 www.memorialcare.org/ orange_coast

Anaheim Regional Medical 1111 W. La Palma Ave. Anaheim, California 92804 714-774-1450

Children's Hospital of Orange County (CHOC) 1201 W La Veta Ave, Orange, CA 92868 714-997-3000

Fountain Valley Regional Hospital 17100 Euclid at Warner Fountain Valley CA 714-966-7200

Garden Grove Hospital 12601 Garden Grove Blvd Garden Grove, CA 92843 714-537-5160

HOSPITALS CONTINUED...

Hoag Memorial Hospital

Presbyterian

One Hoag Drive P.O. Box 6100

Newport Beach, CA 92658 (800) 309-9729

Huntington Beach Hospital 17772 Beach Blvd.

Huntington Beach, CA 92647 714-842-1473

Los Alamitos Medical Center 3751 Katella Avenue Los Alamitos, CA 90720 (562) 598-1311

Mission Hospital Laguna Beach 31872 Coast Highway Laguna Beach, CA 92651 (949) 499-1311

Saddleback Medical Center 24451 Health Center Drive Laguna Hills, CA 92653 (949) 837-4500

St. Joseph Hospital Orange 1100 W Stewart Dr Orange, CA 92868 (714) 633-9111

St. Jude Medical Center 101 E Valencia Mesa Dr Fullerton, CA (714) 871-3280

UCI Medical Center

101 The City Drive South, Orange, CA 92868 714-456-7890

RECREATION & ATTRACTIONS

Disneyland LEGOLAND

Six Flags Magic Mountain

Universal Studios

Knott’s Berry Farm Buena Park

Newport Beach

Hunington Beach

Laguna Beach

Orange County Whale Watching Orange County Museum of Art Chance Theater

City National Grove of Anaheim

Honda Center

Great Wolf Lodge

Children’s Museum at La Habra

Peter’s Canyon Regional Park

Santiago Oaks Reginal Park Fullerton Arboretum

SHOPPING

South Coast Plaza

Anaheim GardenWalk Center Street Promenade

Main Place Mall

Old Towne Orange

Crystal Cover Shopping Center

TITLE & ESCROW

CYBER SECURITY

Because of you… we obsess over cyber security!

Cyber fraud and email hacking is on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:

Outgoing Wire from WFG to seller or borrower for proceeds

In the escrow paperwork provided you will be asked to provide written instructions on how you want funds dispersed at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to confirm the wire information provided.

Incoming Wires from buyer and/or lender to WFG bank account

For funds that are to be wired to WFG for your transaction, we will send specific wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to confirm the wire instructions prior to remittance.

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.

http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

WHY TWO TITLE POLICIES ARE REQUIRED

For the Seller

The purchase of a home is one of the most expensive and important purchases most of us ever make. Your buyer will want to make sure that the property is indeed yours to sell and that there are no unknown liens, claims, or encumbrances held against the property. Your buyer chose your property for its features and amenities. Enhancing these amenities with an Owner’s Policy of title insurance issued through WFG Title Company of California is just as important as the work you put into maintaining and improving your property.

According to real estate custom and practice the seller pays a one-time premium for the new buyer’s Owner’s Policy based on the sales price of the property. WFG Title Company of California searches the public records to identify and eliminate title risks. The new buyer’s policy indemnifies the buyer against loss and provides a defense in the event of claims against the title according to the terms of the policy. For a one time charge, the buyer’s policy protects the buyer for as long as the buyer owns the property, ad under enhanced Homeowner’s Policy (HOP), forever.

You will feel confident that your buyer is receiving quality protection. You should also feel secure that your buyer will not return years later to make claims against you based on title risks which you knew nothing about at the time of sale.

Far into the future, a title policy issued through WFG National Title Company will be one of the most enduring benefits of this transaction - for you and your buyer.

For the Buyer

For most of us, buying a home requires help with financing the purchase price. Your purchase loan is secured by the new home you are buying. Your lender will want to insure that the security for their loan is protected by title insurance and that you are the owner of record.

The lender’s Policy of title insurance insures your lender and any purchasers of the lender’s lien, that this lien has priority over other liens now shown in the policy. Many lenders condition their loans upon the purchase of a Lender’s Policy.

According to real estate custom and practice you, as the buyer, will be responsible for paying the title insurance premium for the Lender’s Policy on your home loan. WFG Title Company of California gives you a big break on the cost of this important coverage.

For questions regarding title policies, lender policies or buying and selling, please contact your title representative.

WHAT IS ESCROW

Understanding the Escrow Process

An escrow is an arrangement made under contract between a Buyer and Seller. As the neutral third party, escrow is responsible for receiving and disbursing money and/or documents. People buying and selling real estate open an escrow for their protection and convenience. Both the buyer and seller expect the escrow agent to carry out their written instructions associated with the transaction and also to advise them if any of their instructions are not being met, or cannot be met. If the instructions from all parties to an escrow are clearly set out, the escrow officer can proceed on behalf of the buyer and seller without further consultation.

Typical Roles in the Closing Process

The Seller/Agent

 Delivers a fully executed Purchase Sale Agreement to the escrow agent.

 Executes the paperwork necessary to close the transaction.

The Buyer/Agent

 Deposits collected funds required to close in with the escrow agent.

 Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement.

 Executes the paperwork and loan documents necessary to close the transaction.

The Lender

 Deposits loan documents to be provided by the buyer.

 Deposits the loan funds.

 Informs the escrow agent of the conditions under which the loan funds may be used.

The Escrow Agent

 Clears Title

 Obtains title insurance

 Obtains payoffs and release documents for underlying loans on the property

 Receives funds from the buyer and/or lender.

 Prepares vesting document affidavit on seller’s behalf.

 Prorates insurance, taxes, rents, etc.

 Prepares a final statement (often referred to as the “HUD Statement” or ”Settlement Statement”) for each party, indicating amounts paid in conjunction with the closing of your transaction.

 Forwards deed to the county for recording.

 Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties.

In Summary

Escrow is the process that gathers and processes many of the components of a real estate transaction. The sale is officially closed when the new deed is recorded and funds are available to the seller, in turn transferring ownership from the seller to the buyer. The escrow agent is a neutral third party acting on behalf of the buyer and seller under the Escrow Law as set forth in the State of California.

WHAT IS TITLE

About Title Insurance

Title insurance insures against financial loss from defects in title, liens or other matters. It protects both purchasers and lenders against loss by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lenders Policy) while the buyers receive their own policy (commonly referred to as an Owners Policy).

It will protect against lawsuits if the status of the title to a parcel or real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect. The insurer will reimburse the insured for that loss and any related legal expenses.

Generally there are two policies issued: the Lenders Policy which insures the lender for the amount of the loan and the Owners Policy which insures the purchaser for the purchase price.

How is title insurance different from other types of insurance?

While the purpose of most other types of insurance is to assume risk through the pooling of monies for losses happening because of unforeseen future events (like sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this, title insurers perform a thorough search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. These defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. The policy is issued after the closing of your new home, for a one time nominal fee, and is good for as long as you own the property.

What’s involved

in a title search?

A title search is made up of three separate searches:

• Chain of Title – History of the ownership of the subject property

• Tax Search – The tax search shows the status of the taxes and assessments

• Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ name

After the three searches have been completed, the file is reviewed by an examiner who determines:

• If the Chain of Title shows that the party selling the property has the rights to do so.

• If the taxes for the subject property show the existence of any special assessments against the land and whether or not these assessments are current or past due.

• Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or/and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyers or lenders rights. The title search will only uncover issues in title that are of public records and therefore allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

In Summary

Once the searches have been examined the title company will issue a commitment, stating the conditions under which it will insure title. The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

WHO PAYS FOR WHAT

SELLER can generally be expected to pay for:

Typical Costs

 Real Estate Commission (per contract)

 Document preparation fee for Deed

 Documentary transfer tax ($1.10 per $1,000 of sales price)

 Any City Transfer/Conveyance Tax (per contract)

 Any loan fees required by buyer’s lender

 Payoff of all loans in seller’s name (or existing loan balance if being assumed by buyer)

 Interest accrued to lender being paid off, Statement Fees, Reconveyance Fees and any Prepayment Penalties

 Termite Inspection (per contract)

 Termite Work (per contract)

 Home Warranty (per contract)

 Any judgments, tax liens, etc., against the seller

 Tax pro-ration (for any taxes unpaid at time of transfer of title)

 Any unpaid Homeowner’s dues

 Homeowner transfer & document fees (per contract)

 Recording charges to clear all documents of record against seller

 Any bonds or assessments (per contract)

 Any and all delinquent taxes

 Notary Fees

 Escrow Fee (per contract)

 Title Insurance Premium (per contract)

BUYER can generally be expected to pay for:

Typical Costs

 Real Estate Commission (per contract)

 Title Insurance Premium (per contract)

 Escrow Fee (per contract)

 Document preparation (if applicable)

 Notary Fees

 Recording charges for all documents in buyer’s name

 Termite Inspection (per contract)

 Tax pro-ration (from date of acquisition)

 Homeowner's transfer & document fee (per contract)

 All new loan charges (except those required by lender for seller to pay)

 Interest on a new loan from date of funding to 30 days prior to first payment date

 Assumption /Change of Records Fees for takeover of existing loan

 Inspection Fees (roofing, property inspection, geological, etc.)

 Home Warranty (per contract)

 City Transfer/Conveyance Tax (per contract)

 Fire Insurance Premium for first year

 Endorsements required by lender

PARTIES

DIVISION OF INTERESTS

TITLE

TITLE VESTING

Only spouses or domestic partners Only spouses or domestic partners

Any number of persons (can be spouses)

Any number of interests, equal or unequal

In the names of the individual owners

Any number of persons (can be spouses)

Partnership interests may be equal or unequal

In the names of the individual owners In the name of the partnership

POSESSION Equal right of possession Equal right of possession Equal right of possession Equal right of possession According to partnership agreement

CONVEYANCE Both spouses must join in a conveyance

Both spouses must join in a conveyance

DEATH

Decedent’s Spouse 1/2 interest passes to decedent’s estate

SUCCESSOR’S STATUS

CREDITOR’S RIGHTS

Tenancy in common between devisee and survivor results

Decedent’s 1/2 interest passes to the survivor

Conveyance by one co-owner breaks the joint tenancy

Decedent’s interest passes to the survivor(s)

Decedent’s

Survivor owns entire interest

Community property is liable for the debts of either spouse incurred before or during marriage or domestic partnership

Last survivor owns entire interest

Co-owner’s interest may be sold at an execution sale to satisfy the co-owner’s judgement creditor

Each co-owner’s interest may be conveyed separately

Decedent’s interest passes to the decedent’s estate

Devisees or heirs become tenants in common

Co-owner’s interest may be sold at an execution sale to satisfy the co-owner’s judgement creditor

Any general partner authorized by the partnership agreement may convey

Partnership agreement provides either termination or continuance of the partnership

Any number of beneficiaries of the trust

Beneficial interests under trust may be equal or unequal

In the name of the trustee “as trustee”

According to trust agreement

Trustee may convey in accordance with the trust agreement

Trust agreement usually provides for distribution upon death of the settlor

Heirs or devisee have rights in partnership interest but not in specific property Trust agreement usually provides for distribution upon death of the settlor

Only a partner’s right to receive profits can be executed upon by the partner’s judgement creditor

Usually, the creditor cannot execute on a beneficiary’s interest

DISCLAIMER–Theforegoingcontainsinformationalexamplesonlyandisnottobeconstruedaslegaladvice.Giventhecomplexitiesinvolved inacquiringandholdinglegaltitletorealproperty,WFGstronglyrecommendsthatyouseeklegaladvicefromanattorneypriortodoingso.

WFG OFFICE LOCATIONS SOUTHERN CA

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43576 Washington Street, Suite 120 La Quinta, CA 92253

760-656-2080

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San Bernardino, CA 92408

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LOS ANGELES

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ORANGE COUNTY

8. Irvine Office

500 Technology Drive Suite 100, Irvine, CA 92618 949-430-3700

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COMMERCIAL

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Altos Market Report

WFG’s My Home

Talking House Tent Cards

CC&R’s (ifapplicable)

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

11/21/2024 Single-Family Homes

This week the median list price for Laguna Beach, CA 92651 is $4,699,500 with the market action index hovering around 27. This is an increase over last month's market action index of 26 Inventory has decreased to 140.

Market Action Index

This answers “How’s the Market?” by comparing rate of sales versus inventory.

Laguna Beach, CA 92651 Real-Time

$1,900

The market has shown some evidence of slowing recently Both prices and inventory levels are relatively unchanged in recent weeks. Watch the Market Action Index for changes as it can be a leading indicator for price changes

Slight Buyer's Advantage

Each segment below represents approximately 25% of the market ordered by price.

Laguna

Beach, CA 92651

Median List Price

Again this week we see prices in this zip code remain roughly at the level they’ve been for several weeks. Since we’re signiﬁcantly below the top of the market, look for a persistent up-shift in the Market Action Index before we see prices move from these levels.

Segments

In the quartile market segments, we see prices in this zip code have settled at a price plateau across the board. Prices in all four quartiles are basically mixed. Look for a persistent shift (up or down) in the Market Action Index before prices move from these current levels.

Laguna Beach, CA 92651

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels.

7-Day Average 90-Day Average

Inventory has been relatively steady around these levels in recent weeks. 7-Day Average 90-Day Average

Laguna Beach, CA 92651

Market Action Index

The market has shown some evidence of slowing recently. Both prices and inventory levels are relatively unchanged in recent weeks. Watch the Market Action Index for changes as it can be a leading indicator for price changes.

Market Action Segments

Three of the four quartiles of this zip code are in the Seller’s Market zone with relatively low amounts of inventory given the current levels of demand. It’s not uncommon that the premium segment of the market takes longer to sell than the rest of the group.

Laguna Beach, CA 92651

Median Days on Market (DOM)

The properties have been on the market for an average of 154 days. Half of the listings have come newly on the market in the past 100 or so days. Watch the 90-day DOM trend for signals of a changing market.