1204 Charco, San Clemente, CA 92673 Property Records

Orange County property record for 1204 Charco, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,317 sqft · built 1984
Lot Size	0.223 acres (9,690 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,546 (2025)
Deeds & Mortgages	Jul 2019 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`678-021-20`

Property Details

APN / Parcel Number

Primary APN	`678-021-20`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,317 sqft Living Area
1st Floor Area	1,317 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	9,690 sqft (0.223 acres)
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1204 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 33
Legal Tract	11958
Legal Lot Number	33
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3003
Census Tract	42111

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	2 Company Names on Record
Mailing Address	1204 CHARCO, SAN CLEMENTE, CA 92673-3552
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 24, 2019
Transfer Doc	0000273845
Record Updated	Oct 29, 2026

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jul 29, 2019
Property Address	1204 CHARCO, SAN CLEMENTE, CA 92673-3552
Document Number	0000273845
Map Reference	MB 522 PG 38-41
Instrument Date	Jul 24, 2019
Instrument	2019000273845
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

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	1204 CHARCO, SAN CLEMENTE, CA 92673-3552

Mortgage

Document Number	0000273846
Date	Jul 29, 2019
Instrument	2019000273846

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

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		$262,409 (+2%) Land $95,365 Building $167,044
2025	$2,546.00 (+4%) Homeowner's exemption	$257,264 (+4.04%) Land $93,495 Building $163,769
2023	$2,448.00 (+2%) Homeowner's exemption	$247,275 Land $89,865 Building $157,410
2022	$2,400.00

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

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

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	0.01% 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 268 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