Orange County property record for 1201 Charco, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,120 sqft · built 2005 |
| Lot Size | 0.781 acres (34,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $219,000 (Aug 1994) |
| Tax Bill | $5,576 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 678-021-18 |
| Primary APN | 678-021-18 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| 1st Floor Area | 2,120 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 34,000 sqft (0.781 acres) |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1201 CHARCO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92673-3552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 11958 BLK LOT 31 |
| Legal Subdivision | TRACT NO. 11958 |
| Legal Tract | 11958 |
| Legal Lot Number | 31 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 42111 |
Source: Orange County records, as of August 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1201 CHARCO, SAN CLEMENTE, CA 92673-3552 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU |
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING |
| Feb 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1994 · Amount on Record |
| Deed Sale | Aug 31, 1994 · Amount on Record |
| Deed Document Number | 1994535843 |
| Last Transfer Date | Jun 5, 2024 |
| Transfer Doc | 0000143647 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1201 CHARCO, SAN CLEMENTE, CA 92673-3552 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1201 CHARCO, SAN CLEMENTE, CA 92673-3552 |
| Document Number | 0000221144 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2022000221144 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Address | TUSTIN, CA 92780 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1201 CHARCO, SAN CLEMENTE, CA 92673-3552 |
| Document Number | 0000192515 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1201 CHARCO SAN CLEMENTE CA 926733552, SAN CLEMENTE, CA 92673-3552 |
| Document Number | 0000192515 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 192515 |
| Name | JMAC LENDING |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 1201 CHARCO, SAN CLEMENTE, CA 92673-3552 |
| Document Number | 0000091854 |
| Instrument Date | Feb 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2017 |
| Title Company | EQUITY TITLE COMPANY, EQUITY TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1201 CHARCO SAN CLEMENTE CA 926733552, SAN CLEMENTE, CA 92673-3552 |
| Document Number | 0000091854 |
|---|---|
| Date | Mar 6, 2017 |
| Instrument | 91854 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2047 |
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 | $561,769 (+2%) Land $228,632 Building $333,137 | |
| 2025 | $5,576.00 (+3.89%) | $550,754 (+4.04%) Land $224,149 Building $326,605 |
| 2023 | $5,367.00 (+1.94%) | $529,368 Land $215,445 Building $313,923 |
| 2022 | $5,265.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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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