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2870 Zell Dr, Laguna Beach, CA, 92651

3beds
3baths
1,952sqft
$2,998,000
$1,536price/sqft
$18,701/moest. monthly cost
$748,040/yrincome needed

About This Home

Welcome to 2870 Zell Drive, a beautifully appointed coastal retreat in Laguna Beach’s highly sought-after Top of the World neighborhood. Positioned to capture ocean, Catalina, and sunset views, this residence offers the perfect blend of relaxed comfort and timeless design. The main level showcases an open-concept layout anchored by chevron-patterned hardwood floors, a statement fireplace, and a striking floor-to-ceiling glass-enclosed wine display. The chef’s kitchen is thoughtfully designed with Thermador stainless steel appliances, a built-in refrigerator, walk-in pantry, and center island—seamlessly opening to the dining and living areas, as well as a spacious front patio ideal for indoor-outdoor entertaining. Upstairs, the primary suite features ocean and sunset views, a private balcony, and a spa-inspired bath complete with a freestanding soaking tub and designer finishes. Two additional bedrooms and a full bath complete the second level, along with an expansive ocean-view deck offering a built-in wet bar and generous lounge space—perfect for outdoor dining and enjoying coastal sunsets. Located just minutes from Laguna’s award-winning schools, scenic hiking trails, and world-class beaches, this home captures the essence of modern coastal living in one of the area’s most desirable communities.

Getting Around

13
WalkingCar-Dependent
0
TransitNo Nearby Transit
5
BikeSomewhat Bikeable

Schools

8/10
Thurston Middle SchoolGrades 6-80.6 mi
10/10
Laguna Beach High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1964

Type & Style

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

Interior

Appliances

  • Appliances included: Barbecue,Dishwasher,Gas Range,Refrigerator
  • Laundry features: In Garage

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Balcony,All Bedrooms Up
  • Flooring: Stone,Wood
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,952 sqft

Property

Details

  • Parcel number: 64113314
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Spa features: None
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 7,979 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Landslide
Wildfire

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 $15,159$181,908
Home Insurance *$464$5,568
Property Taxes $2,660$31,920
Electricity $418$5,022
Total$18,701$224,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$641,177/yr
40% on housing$561,030/yr
45% on housing$498,693/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

$1,536This listing

vs Other Active Listings

Avg $/sqft

ZIP 92651$2,115
Orange County$768

vs Homes Sold Last Month

Median $/sqft

ZIP 92651$1,559
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
2026-01-05Price change$2,998,000
2025-10-30Listed for sale$3,250,000
2018-09-10Sold$1,700,000
2018-08-06Pending sale$1,699,000
2018-08-03Listed for sale$1,699,000
2018-06-28Listing removed$7,000
2018-06-15Listing removed$1,788,888
2018-06-15Listed for rent$7,000
2018-06-01Price change$1,788,888
2018-05-08Price change$1,798,800
2018-04-19Price change$1,849,000
2018-02-05Listed for sale$1,895,000
2017-12-12Listing removed$1,795,000
2017-10-23Price change$1,795,000
2017-10-12Listed for sale$1,900,000
2017-04-06Sold$1,532,000
2017-03-10Pending sale$1,599,999
2016-12-16Listed for sale$1,599,999
2016-02-29Sold$1,200,000
2016-02-29Pending sale$1,345,000
2016-02-25Listed for sale$1,345,000
2016-02-24Pending sale$1,345,000
2016-02-22Listed for sale$1,345,000
2016-02-10Pending sale$1,345,000
2016-02-06Listed for sale$1,345,000

For Sale by Agent

AgentMichael Balliet
BrokerageLuxe Real Estate

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