120 E Ave Ramona, San Clemente, CA 92672 Property Records

Orange County property record for 120 E Ave Ramona, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,515 sqft · built 1978
Lot Size	0.169 acres (7,350 sqft)
Owner	Company Name on Record
Tax Bill	$6,415 (2025)
Deeds & Mortgages	Nov 2025 Reverse Mortgage Nov 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`690-402-02`

Property Details

APN / Parcel Number

Primary APN	`690-402-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,515 sqft Living Area
Gross Area	3,131 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	7,350 sqft (0.169 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	120 E AVENIDA RAMONA
City	SAN CLEMENTE
State	CA
Zip	92672-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 8776 BLK LOT 6
Legal Subdivision	TRACT NO 8776
Legal Tract	8776
Legal Lot Number	6
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2004
Census Tract	42113

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	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Nov 2, 2022	Intrafamily Transfer, Transfer
Oct 17, 2022	Intrafamily Transfer, Transfer
Jun 21, 2021	Intrafamily Transfer, Transfer
Jun 21, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 1, 2022
Transfer Doc	0000353079
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213

Mortgage

Document Number	0000308147
Date	Nov 10, 2025
Instrument	2025000308147

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	942 Months
Due	May 30, 2104

Interest

Rate Type	Adjustable Rate

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Nov 2, 2022
Property Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Document Number	0000353079
Map Reference	MB 418 PG 45&46
Instrument Date	Nov 1, 2022
Instrument	2022000353079
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Oct 17, 2022
Property Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Document Number	0000336777
Map Reference	MB 418 PG 45-46
Instrument Date	Oct 17, 2022
Instrument	2022000336777
Transaction Type	Transfer
Record Updated	Oct 28, 2022

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	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jun 21, 2021
Property Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Document Number	0000406963
Map Reference	MB 418 PG 45&46
Instrument Date	Jun 18, 2021
Instrument	2021000406963
Transaction Type	Transfer
Record Updated	Jul 1, 2021

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	Joint Tenants
Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jun 21, 2021
Property Address	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213
Document Number	0000406962
Map Reference	MB 418 PG 45&46
Instrument Date	Jun 18, 2021
Instrument	2021000406962
Transaction Type	Transfer
Record Updated	Jul 1, 2021

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	120 E AVENIDA RAMONA, SAN CLEMENTE, CA 92672-3213

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		$653,725 (+2%) Land $313,335 Building $340,390
2025	$6,415.00 (+3.94%) Homeowner's exemption	$640,907 (+4.04%) Land $307,191 Building $333,716
2023	$6,172.00 (+1.97%) Homeowner's exemption	$616,021 Land $295,263 Building $320,758
2022	$6,053.00

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	4 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 446 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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