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418 E Bay St, Costa Mesa, CA, 92627

3beds
2baths
1,976sqft
$2,450,000
$1,240price/sqft
$15,389/moest. monthly cost
$615,560/yrincome needed

About This Home

Welcome to 418 E Bay Street, a thoughtfully reimagined coastal home that blends modern luxury with timeless charm. This single-level residence features 3 bedrooms and 2 baths, beautifully updated with brand new luxury LVP flooring, all-new Milgard double-pane aluminum windows, sliding doors, plus fresh interior and exterior paint. At the heart of the home, the kitchen showcases all-new Thermador appliances, a statement island perfect for gatherings, custom cabinetry, sleek countertops, and a stylish backsplash. Subtle nods to the home’s original character add warmth, while curated upgrades bring contemporary comfort. Additional highlights include upgraded electrical, a new side patio and fence, a finished garage, and refreshed landscaping that enhances curb appeal. Every detail has been carefully considered to create a welcoming environment that balances contemporary comfort with classic charm. Ready for its next chapter, 418 E Bay Street offers the perfect setting to create lasting memories in the heart of Costa Mesa.

Getting Around

33
WalkingCar-Dependent
20
TransitMinimal Transit
62
BikeBikeable

Schools

--
9/10

Construction

Condition

  • Property condition: Updated/Remodeled,Turnkey
  • Year built: 1958

Materials

  • Foundation: Slab
  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Gas Cooktop,Disposal,Gas Oven,Gas Range,Refrigerator,Range Hood,Dryer,Washer
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,In Garage

Bathroom

  • Features: Bathroom Exhaust Fan,Bathtub,Full Bath on Main Level,Quartz Counters,Separate Shower,Tub Shower

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

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

Features

  • Wet Bar,Ceiling Fan(s),Eat-in Kitchen,Open Floorplan,Quartz Counters,Attic,Bedroom on Main Level,Main Level Primary,Primary Suite
  • Door features: Sliding Doors
  • Flooring: Laminate
  • Fireplace features: Family Room,Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,976 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo,Quartz Counters,Remodeled,Updated Kitchen

Master Bedroom

  • Features: Main Level Primary

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 42624304
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Brick,Concrete,Open,Patio
  • Spa features: None
  • Fencing: New Condition,Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 6,011 sqft
  • Features: 0-1 Unit/Acre,Back Yard,Front Yard

Parking

  • Total spaces: 4
  • Parking features: Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered 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
    EarthquakeModerate
  • 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 $12,388$148,656
Home Insurance *$234$2,808
Property Taxes $2,344$28,128
Electricity $423$5,084
Total$15,389$184,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$527,622/yr
40% on housing$461,670/yr
45% on housing$410,373/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

$1,240This listing

vs Other Active Listings

Avg $/sqft

ZIP 92627$717
Orange County$768

vs Homes Sold Last Month

Median $/sqft

ZIP 92627$1,021
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
2026-04-09Listed for sale$2,499,999

For Sale by Agent

AgentKatrina Smith
BrokeragePinpoint Properties

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