Southern California home at dusk

Laguna Beach · Homes for Sale

Laguna Beach Luxury Homes Over $5 Million


In Laguna Beach, listings above $5 million are almost all about the coastline: ocean-front homes on the coves, bluff-top lots and gated communities with private beach access.

Where These Homes Are

North Laguna includes Crescent Bay and the streets above Shaws Cove. South of downtown, Woods Cove and Victoria Beach are known for homes set above small coves. Three Arch Bay is a gated community in South Laguna with its own beach. Emerald Bay, a gated community just north of the city limits, also carries a Laguna Beach address. Up the hill, Top of the World offers long ocean and canyon views.

What This Price Range Buys

At this level you are often paying for frontage, view and privacy more than square footage. Older cottages on prime lots can share a price with newer homes set farther back, so compare lot, view and condition side by side. Parking, beach stairs and street access vary from cove to cove, so walk the block at different times. Ask whether a beach access path is private, shared or public, and how stairs to the sand are maintained. Some streets are steep and narrow, which can affect deliveries and construction later.

Design Review and Coastal Checks

Laguna Beach has a Design Review Board, and most of the city is in the coastal zone, so remodels and rebuilds can take extra time. Bluff-top and hillside homes may call for geology reports. Gated communities have their own HOA rules and dues. Ask for the documents and verify each item during escrow.

How Buyers Pay

Cash and jumbo loans are common here, and some buyers use portfolio loans. This is general information, not lending advice; a licensed lender can explain your options.

Ready to Look in Laguna Beach?

Call (949) 822-8702 to set up your Laguna Beach search with Jay. Planning to sell as well? Request your free home value.

Other Price Ranges Nearby

For every price range, visit our Laguna Beach homes for sale page. Related searches: Newport Beach homes over $5 million, Irvine homes over $2 million, Huntington Beach homes over $1 million.

Jay Romero, Broker, DRE 01343079 | Miamar Realty | Call (949) 822-8702

Miamar Realty | Corporate DRE #02192235 | 14241 Firestone Blvd #400, La Mirada, CA 90638 | Equal Housing Opportunity.

Keep Exploring

Free tool · No sign-up

Mortgage Calculator

Percent of the price
Example rate only. Use the rate you are quoted.
California is about 1% plus local voter-approved charges; 1.1% is a common estimate.
Estimated monthly payment—
Principal & interest
—
Property tax
—
Insurance
—
HOA
—
PMI
—
Loan amount
—
Down payment
—
Total interest over the loan
—
Total of all P&I payments
—
Show yearly schedule

Estimate only. Not a loan offer, commitment, or financial, legal or tax advice. Figures are general and based on the numbers you enter. Rates and terms are set by lenders and are not promised here. Talk to Jay for a lender referral.

Talk to Jay about these numbers

Jay Romero, Broker (DRE 01343079), with over 25 years in Southern California real estate, will follow up personally. Your numbers are included so you don't have to repeat them.

Buyer Match

Get matched to Laguna Beach homes

Tell us what you are looking for and Jay Romero will reach out when the right homes come to market.

Selling first? Request a home value or call (949) 822-8702.

Miamar – Buyer Match