115 Ave Carmelo, San Clemente, CA 92672 Property Records

Orange County property record for 115 Ave Carmelo, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,563 sqft · built 1956
Lot Size	0.107 acres (4,680 sqft)
Owner	2 Individual Names on File
Last Sale	$915,000 (May 2018)
Tax Bill	$10,521 (2025)
Deeds & Mortgages	Jun 2024 Second Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060-111-22`

Property Details

APN / Parcel Number

Primary APN	`060-111-22`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,563 sqft Living Area
1st Floor Area	1,563 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	4,680 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	115 AVENUE CARMELO
City	SAN CLEMENTE
State	CA
Zip	92672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 900 BLK 9 LOT 13
Legal Subdivision	900/CITY/SAN CLEMENTE
Legal Tract	900
Legal Block	9
Legal Lot Number	13
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1019
Census Tract	42114

Owner

115 Ave Carmelo is owned by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 17, 2018	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2018 · Amount on File
Deed Sale	May 17, 2018 · Amount on File
Prior Sale	May 5, 2016 · Amount on File
Deed Document Number	2018180758
Prior Transfer Date	Apr 5, 2016
Prior Transfer Doc	0000201236
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405

Mortgage

Document Number	0000150183
Date	Jun 18, 2024
Instrument	2024000150183

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2044

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE NCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 AVENIDA CAMELO, SAN CLEMENTE, CA 92672-3405

Mortgage

Document Number	0000457544
Date	Sep 1, 2020
Instrument	2020000457544

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031442
Date	Jan 31, 2019
Instrument	2019000031442

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	May 17, 2018
Property Address	115 AVENIDA CARMELO, SAN CLEMENTE, CA 92672-3405
Document Number	0000180758
Instrument Date	Mar 5, 2018
Instrument	180758
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 AVENIDA CARMELO SAN CLEMENTE CA 926723405, SAN CLEMENTE, CA 92672-3405

Mortgage

Document Number	180759
Date	May 17, 2018
Instrument	180759

Lender

Name	CALIFORNIA BK&TR
Type	Bank
Address	SAN CLEMENTE, CA 92672

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 115 Ave Carmelo was $10,521.

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		$1,061,933 (+2%) Land $964,276 Building $97,657
2025	$10,521.00	$1,041,111 Land $945,368 Building $95,743
2023	$10,127.00 (+1.94%)	$1,000,685 Land $908,659 Building $92,026
2022	$9,934.00

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

Flood

FEMA maps place 115 Ave Carmelo in Zone X, an area of minimal flood risk.

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

Wildfire risk around 115 Ave Carmelo is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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