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428 E Bay Ave , Newport Beach, CA 92661
$3,895,000
Est. Payment: $21,377.22/mo
3 Bed
5 Bath
2595 Sqft
0.05 Acres
Status: Active | Days on site: 90
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NP5039 - U12307,np61409
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Chris Heller
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House Description

Welcome to 428 E Bay Avenue, a quintessential coastal retreat ideally located just one home from the bay and two blocks from the ocean and boardwalk in the heart of the Balboa Peninsula, moments from the Balboa Pier, ferry, and Fun Zone. With timeless beach cottage charm and classic coastal appeal, this move-in ready residence offers an effortless blend of style and functionality, featuring a light-filled great room, open-concept kitchen, and powder bath on the main level, while upstairs three spacious bedrooms each enjoy ensuite bathrooms for ultimate comfort and privacy. The rooftop deck captures refreshing bay breezes, passing boats, and city lights into the evening—perfect for embracing the vibrant Peninsula lifestyle year-round—while a bonus room with an additional bathroom provides flexible space for guests, a home office, or secondary living area. Complete with a versatile garage for parking, storage, bikes, and beach essentials, this is a rare opportunity to own a turnkey home in one of Newport Beach’s most iconic and sought-after beachside locations.
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Highlights

Listed by Kimberly Bibb , 714-396-0185 and Lauren Bibb , 949-274-0582 Pacific Sotheby's Int'l Realty , 949-554-1200. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential
Lot/Acreage
0.05

Year Built

1997

County

Orange

Area

NP - Balboa Peninsula

 Neighborhood

Balboa Peninsula (Residential) (BALP)

 School District

Newport Mesa Unified

Listing ID

NP26143084

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Range, Dishwasher, Freezer, Disposal, Gas Range, Microwave, Refrigerator
Floor:Carpet,Laminate
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Storage, All Bedrooms Up, Galley Kitchen
Water:Public

Exterior Features

Lot:Level,Near Park,Rectangular Lot,No Land Lease
Garage Capacity:2
Others:
  • ▪ Additional:Updated/Remodeled
Sewer:Public Sewer
Parking Features:Direct Access,Garage,Garage Faces Rear
Principal Interest
$21,377
Taxes
$2,483

Home Price

$3,895,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$779,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$21,377.22

Principal

Taxes

Principal Taxes HOA Total
Monthly $21,377.22 $2,483.06 $0.00 $23,860.28
Yearly $256,526.58 $29,796.75 $0.00 $286,323.33
Total $7,695,797.48 $893,902.50 $0.00 $8,589,699.98

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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Market insight data is pulled from the same city as the listing being viewed (Newport Beach, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-03T17:14:43.000Z

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