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551 Bernard, Costa Mesa, CA, 92627

4beds
4baths
1,984sqft
$1,425,000
$718price/sqft
$8,526/moest. monthly cost
$341,040/yrincome needed

About This Home

Welcome to Four West. Four brand new ground-up construction single family residences in prime Costa Mesa. Built in 2026, this presents an incredible opportunity to acquire a well-appointed and stylishly designed property in a highly desirable location nearby Triangle Square and 17th street. Close proximity to top schools, beaches, golf courses, entertainment, business district, and major freeways.

Getting Around

90
WalkingWalker's Paradise
44
TransitSome Transit
72
BikeVery Bikeable

Schools

2/10
Wilson Elementary SchoolGrades K-61.0 mi
6/10
Estancia High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Building Permit,Updated/Remodeled,Turnkey
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Other,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Microwave,Refrigerator
  • Laundry features: Laundry Room,See Remarks

Bathroom

  • Features: Bathroom Exhaust Fan,Bathtub,Dual Sinks,Quartz Counters,Separate Shower,Tile Counters,Vanity

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Open Floorplan,Quartz Counters,Recessed Lighting,See Remarks,Tile Counters,All Bedrooms Up,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: See Remarks
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,See Remarks
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,984 sqft

Kitchen

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

Other

  • Features: Walk-In Closet(s)

Property

Accessibility

  • Accessibility features: Safe Emergency Egress from Home,Other,Parking,See Remarks

Details

  • Parcel number: 42210421
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Brick,Concrete,Enclosed,Stone,See Remarks
  • Spa features: None
  • Fencing: Block,New Condition,Vinyl
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 3,001 sqft
  • Features: 0-1 Unit/Acre,Yard

Parking

  • Total spaces: 2
  • Parking features: Direct Access,Garage Faces Front,Garage,On Site,See Remarks,Side By Side
  • 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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

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 $7,205$86,460
Home Insurance *$136$1,632
Property Taxes $760$9,120
Electricity $425$5,105
Total$8,526$102,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$292,320/yr
40% on housing$255,780/yr
45% on housing$227,360/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

$718This listing

vs Other Active Listings

Avg $/sqft

ZIP 92627$722
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
2026-08-10Listed for sale$1,425,000

New Construction

AgentPhillip Caruso
BrokerageArbor Real Estate

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