Orange County property record for 1104 Otero, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,734 sqft · built 1984 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Mar 1994) |
| Tax Bill | $5,257 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 680-401-12 |
| Primary APN | 680-401-12 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,734 sqft Living Area |
| Gross Area | 3,195 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 43,560 sqft |
| View / Lot | Good |
| Garage Area | 461 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1104 OTERO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92673-3554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | N TR 10766 BLK LOT 20 |
| Legal Subdivision | TRACT NO 10766 |
| Legal Tract | 10766 |
| Legal Lot Number | 20 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 42111 |
1104 Otero is owned and occupied by two individuals who bought it in March 1994.
Source: Orange County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1104 OTERO, SAN CLEMENTE, CA 92673-3554 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RATE PLUS INC |
| Feb 12, 2019 | Deed of Trust, Mortgage · Line of Credit CALIFORNIA BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 1994 · Amount on File |
| Deed Sale | Mar 21, 1994 · Amount on File |
| Deed Document Number | 1994196634 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1104 OTERO, SAN CLEMENTE, CA 92673-3554 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1104 OTERO, SAN CLEMENTE, CA 92673-3554 |
| Document Number | 0000726358 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021000726358 |
| Name | RATE PLUS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1104 OTERO, SAN CLEMENTE, CA 92673-3554 |
| Document Number | 0000060608 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1104 OTERO SAN CLEMENTE CA 926733554, SAN CLEMENTE, CA 92673-3554 |
| Document Number | 0000060608 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 60608 |
| Name | CALIFORNIA BK&TR |
|---|---|
| Type | Bank |
| Address | SAN CLEMENTE, CA 92672 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1104 Otero was $5,257 with a homeowner's exemption.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | San Clemente City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $536,548 (+2%) Land $236,585 Building $299,963 | |
| 2025 | $5,257.00 Homeowner's exemption | $526,028 Land $231,946 Building $294,082 |
| 2023 | $5,057.00 (+1.96%) Homeowner's exemption | $505,602 Land $222,939 Building $282,663 |
| 2022 | $4,960.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1104 Otero in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1104 Otero is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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