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16401 Napili Ln, Huntington Beach, CA, 92649

3beds
2baths
1,829sqft
$895,000
$489price/sqft
$5,919/moest. monthly cost
$236,760/yrincome needed

About This Home

Welcome to coastal living at its finest in Huntington Harbour Village - a premier 55+ land-owned community with no space rent. Perfectly positioned on a prime corner lot directly across from the clubhouse, pool, and spa, this beautifully designed 2004 home offers approximately 1,829 sq. ft. of living space. Soaring vaulted ceilings and an open layout create an airy, inviting feel from the moment you walk in, while the unbeatable location places you just steps from the heart of the community’s resort-style amenities. Whether you’re enjoying morning coffee with ocean breezes or heading across the street for a swim or social gathering, this home offers a lifestyle that feels like a vacation every day. Rare location. Land ownership. Coastal lifestyle. This is the one buyers wait for!

Getting Around

48
WalkingCar-Dependent
27
TransitSome Transit
64
BikeBikeable

Schools

6/10
7/10
9/10
Marina High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Termite Clearance
  • Year built: 2004

Materials

  • Foundation: Pier Jacks
  • Construction materials: Brick,Drywall,Hardboard,Lap Siding,Vertical Siding

Other

  • Builder model: WC-20
  • Builder name: Champion Homes

Type & Style

  • Home type: Condo
  • Architectural style: Craftsman
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Laundry Room

Bathroom

  • Features: Bathtub,Solid Surface Counters,Soaking Tub,Separate Shower,Walk-In Shower

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Breakfast Area,Ceiling Fan(s),Separate/Formal Dining Room,Granite Counters,High Ceilings,Multiple Staircases,Tandem,Unfurnished,All Bedrooms Down,Utility Room,Walk-In Closet(s)
  • Window features: Blinds,Double Pane Windows,Screens,Skylight(s)
  • Flooring: Wood
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,829 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island

Other

  • Features: Walk-In Closet(s)

Property

Accessibility

  • Accessibility features: Safe Emergency Egress from Home,Low Pile Carpet,No Stairs,Parking,Accessible Doors

Details

  • Parcel number: 93730101
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: ftont
  • Pool features: Community,Fenced,In Ground,Association
  • Patio & porch: Covered,Deck
  • Exterior features: Awning(s),Rain Gutters
  • Has spa: Yes
  • Spa features: Association,Community,Heated,In Ground
  • Fencing: Block
  • Has view: Yes
  • View description: None
  • Waterfront features: Ocean Side Of Freeway

Lot

  • Lot size: 3,640 sqft
  • Features: 11-15 Units/Acre,Close to Clubhouse,Corner Lot,Landscaped,Rectangular Lot
  • Lot size dimensions: 3640

Parking

  • Total spaces: 4
  • Parking features: Concrete,Covered,Tandem
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Heat Wave

FEMA Declared Disasters in Orange County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Snowstorm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,525$54,300
Home Insurance *$115$1,380
Property Taxes $881$10,572
Electricity $398$4,786
Total$5,919$71,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$202,937/yr
40% on housing$177,570/yr
45% on housing$157,840/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$489This listing

vs Other Active Listings

Avg $/sqft

ZIP 92649$743
Orange County$768

vs Homes Sold Last Month

Median $/sqft

ZIP 92649$920
Orange County$707

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-28Listed for sale$950,000

For Sale by Agent

AgentAnn Messenger
BrokerageGerald T Henberger, Broker

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