1 Gema, San Clemente, CA 92672 Property Records

Orange County property record for 1 Gema, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,206 sqft · built 1989
Lot Size	0.097 acres (4,230 sqft)
Owner	Company Name on Record
Tax Bill	$3,698 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`690-592-15`

Property Details

APN / Parcel Number

Primary APN	`690-592-15`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	4,230 sqft (0.097 acres)
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1 GEMA
City	SAN CLEMENTE
State	CA
Zip	92672-9409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 170
Legal Subdivision	TRACT 12883
Legal Tract	12883
Legal Lot Number	170
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2007
Census Tract	42109

Owner

Source: Orange County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Aug 23, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 22, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Dec 19, 2017	Loan Modification, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 10, 2021
Transfer Doc	0000528619
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Aug 23, 2021
Property Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000528619
Map Reference	MB 608 PG 33-38
Instrument Date	Aug 10, 2021
Instrument	2021000528619
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 GEMA, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000528620
Date	Aug 23, 2021
Instrument	2021000528620

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Aug 23, 2021
Property Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000528621
Map Reference	MB 608 PG 33-38
Instrument Date	Aug 10, 2021
Instrument	2021000528621
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Investor	Possibly a Property Investor

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 22, 2020
Property Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000182601
Instrument Date	Apr 14, 2020
Instrument	182601
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000564938
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000564938
Date	Dec 29, 2017
Instrument	564938

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	1 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000564936
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000564936
Date	Dec 29, 2017
Instrument	564936

Lender

Name	BANK OF AMERICA
Type	Bank
Address	GREENSBORO, NC 27410

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	San Clemente City
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$378,982 (+2%) Land $204,114 Building $174,868
2025	$3,698.00 (+3.96%) Homeowner's exemption	$371,551 (+4.04%) Land $200,111 Building $171,440
2023	$3,557.00 (+1.98%) Homeowner's exemption	$357,124 Land $192,340 Building $164,784
2022	$3,488.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SAN CLEMENTE serves 51,545 people · EPA ID CA3010036
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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