1220 Llano, San Clemente, CA 92673 Property Records

Orange County property record for 1220 Llano, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1987
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Mar 2023)
Tax Bill	$12,541 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`680-381-06`

Property Details

APN / Parcel Number

Primary APN	`680-381-06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,706 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	7,000 sqft (0.161 acres)
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	1220 LLANO
City	SAN CLEMENTE
State	CA
Zip	92673-4035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 11940 BLK LOT 46
Legal Subdivision	TRACT NO 11940
Legal Tract	11940
Legal Lot Number	46
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	4
Census Block	4005
Census Tract	42111

Owner

1220 Llano is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOW RATE COMPANY CORP
Mar 30, 2023	Grant Deed, Transfer · Conventional Mortgage LOW RATE COMPANY CORP
Nov 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 9, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 2, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on File
Deed Sale	Mar 30, 2023 · Amount on File
Deed Document Number	202372182
Prior Transfer Date	Jun 9, 2012
Prior Transfer Doc	0000371864
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035

Mortgage

Document Number	0000238678
Date	Sep 29, 2023
Instrument	2023000238678

Lender

Name	LOW RATE COMPANY CORP
Type	Non-Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 30, 2023
Property Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
Document Number	0000072182
Map Reference	MB 522 PG 29-32
Instrument Date	Mar 24, 2023
Instrument	2023000072182
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035

Mortgage

Document Number	0000072183
Date	Mar 30, 2023
Instrument	2023000072183

Lender

Name	LOW RATE COMPANY CORP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035

Mortgage

Document Number	0000666755
Date	Nov 3, 2021
Instrument	2021000666755

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	835 Months
Due	Jun 25, 2091

Interest

Rate Type	Adjustable Rate
Rate	1.86%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000242425
Date	Jul 9, 2019
Instrument	2019000242425

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.67%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	1220 LLANO, SAN CLEMENTE, CA 92673-4035
Document Number	0000242426
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1220 LLANO SAN CLEMENTE CA 926734035, SAN CLEMENTE, CA 92673-4035

Mortgage

Document Number	0000242426
Date	Jul 9, 2019
Instrument	242426

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.67%

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Llano was $12,541 with a homeowner's exemption, up 1.7% from the year before.

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		$1,273,449 (+2%) Land $1,055,159 Building $218,290
2025	$12,541.00 (+1.7%) Homeowner's exemption	$1,248,480 Land $1,034,470 Building $214,010
2024	$12,331.00 (+241.01%)
2023	$3,616.00 (+2%) Homeowner's exemption	$362,901 Land $141,754 Building $221,147
2022	$3,545.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1220 Llano in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows

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 1220 Llano is low, with a 0.01% annual chance of 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 609 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

May also be available: AT&T.

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