Orange County property record for 10 Gema, San Clemente, CA 92672
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,799 sqft · built 1989 |
| Lot Size | 0.074 acres (3,230 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $851,000 (Aug 2019) |
| Tax Bill | $9,337 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 690-591-69 |
| Primary APN | 690-591-69 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,799 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Lot Area | 3,230 sqft (0.074 acres) |
| Garage Area | 444 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 10 GEMA |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92672-9408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 12883 BLK LOT 145 |
| Legal Subdivision | 12883 |
| Legal Tract | 12883 |
| Legal Lot Number | 145 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 42109 |
Source: Orange County records · APN 690-591-69
Assessment roll updated July 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 07, 2019 | Deed of Trust, Transfer · Conventional Mortgage BANK OF AMERICA |
| Jul 07, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage SEA COUNTRY MORTGAGE INC |
| Jul 10, 2017 | Quit Claim Deed, Transfer ASAP ESCROW INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2019 · Amount on Record |
| Deed Sale | Aug 09, 2019 · Amount on Record |
| Prior Sale | Jul 10, 2017 |
| Deed Document Number | 2019000293724 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000112517 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 2020000112517 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | NORTH AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Document Number | 0000603931 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 2020000603931 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Document Number | 0000293725 |
| Instrument Date | Aug 07, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1326 MIDDLEBURY DR WESTFIELD IN 460748386, WESTFIELD, IN 46074-8386 |
| Document Number | 0000293725 |
|---|---|
| Date | Aug 09, 2019 |
| Instrument | 293725 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 08, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 07, 2017 |
| Property Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Document Number | 0000281443 |
| Map Reference | DOC89-210806 |
| Instrument Date | Jun 13, 2017 |
| Instrument | 2017000281443 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Document Number | 0000281444 |
|---|---|
| Date | Jul 07, 2017 |
| Instrument | 2017000281444 |
| Name | SEA COUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 10, 2017 |
| Property Address | 10 GEMA, SAN CLEMENTE, CA 92672-9408 |
| Document Number | 0000281831 |
| Instrument Date | Jun 13, 2017 |
| Instrument | 281831 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Title Company | ASAP ESCROW INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10 GEMA SAN CLEMENTE CA 926729408, SAN CLEMENTE, CA 92672-9408 |
Source: Orange County records · Assessment roll updated July 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | San Clemente City |
| Unified School District | Capistrano Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,337.00 (+3.93%) Homeowner's exemption | $930,691 (+4.04%) Land $731,653 Building $199,038 |
| 2023 | $8,984.00 (+1.95%) Homeowner's exemption | $894,552 Land $703,242 Building $191,310 |
| 2022 | $8,812.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
May also be available: Verizon.
Based on FCC filings for 435 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SAN CLEMENTE serves 51,545 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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