11 Gema, San Clemente, CA 92672 Property Records

Orange County property record for 11 Gema, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,799 sqft · built 1989
Lot Size	0.079 acres (3,420 sqft)
Owner	Company Name on Record
Last Sale	$303,000 (Jul 1999)
Tax Bill	$4,648 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`690-592-10`

Property Details

APN / Parcel Number

Primary APN	`690-592-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,799 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	3,420 sqft (0.079 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	11 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 165
Legal Subdivision	TRACT NO 12883
Legal Tract	12883
Legal Lot Number	165
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	11 GEMA, SAN CLEMENTE, CA 92672-9409
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit FIREFIGHTERS FIRST FCU
Mar 3, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INS CO
Mar 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 3, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Aug 3, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 1999 · Amount on Record
Deed Sale	Jul 12, 1999 · Amount on Record
Deed Document Number	1999513562
Prior Transfer Date	Dec 23, 1993
Prior Transfer Doc	0000000090
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	11 GEMA, SAN CLEMENTE, CA 92672-9409
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 GEMA, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000564909
Date	Sep 9, 2021
Instrument	2021000564909

Lender

Name	FIREFIGHTERS FIRST FCU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Mar 3, 2021
Property Address	11 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000147122
Map Reference	MB 608 PG 33-38
Instrument Date	Feb 15, 2021
Instrument	2021000147122
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE INS CO

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	Family Trust
Address	11 GEMA, SAN CLEMENTE, CA 92672-9409

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Mar 3, 2021
Property Address	11 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000147120
Map Reference	MB 608 PG 33-38
Instrument Date	Feb 15, 2021
Instrument	2021000147120
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS SVCS

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	11 GEMA, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000147121
Date	Mar 3, 2021
Instrument	2021000147121

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Mar 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 3, 2020
Property Address	11 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000375604
Instrument Date	Jul 24, 2020
Instrument	375604
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	375605
Date	Aug 3, 2020
Instrument	375605

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 3, 2020
Property Address	11 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000375606
Instrument Date	Jul 24, 2020
Instrument	375606
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	11 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

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		$475,005 (+2%) Land $241,778 Building $233,227
2025	$4,648.00 (+3.96%) Homeowner's exemption	$465,692 (+4.04%) Land $237,038 Building $228,654
2023	$4,471.00 (+1.96%) Homeowner's exemption	$447,609 Land $227,833 Building $219,776
2022	$4,385.00

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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