18 Gema, San Clemente, CA 92672 Property Records

Orange County property record for 18 Gema, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,690 sqft · built 1989
Lot Size	0.107 acres (4,664 sqft)
Owner	Individual Name on Record
Last Sale	$546,000 (Feb 2011)
Tax Bill	$7,076 (2025)
Deeds & Mortgages	Aug 2019 Reverse Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`690-591-73`

Property Details

APN / Parcel Number

Primary APN	`690-591-73`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,690 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	4,664 sqft (0.107 acres)
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	18 GEMA
City	SAN CLEMENTE
State	CA
Zip	92672-9408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 149
Legal Tract	12883
Legal Lot Number	149
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2000
Census Tract	42109

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	Individual Name on Record
Mailing Address	18 GEMA, SAN CLEMENTE, CA 92672-9408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Jul 31, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2011 · Amount on Record
Deed Sale	Feb 25, 2011 · Amount on Record
Prior Sale	May 4, 2010 · Amount on Record
Deed Document Number	2011105666
Prior Transfer Date	Apr 16, 2003
Prior Transfer Doc	0000435145
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	18 GEMA, SAN CLEMENTE, CA 92672-9408
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000285714
Date	Aug 6, 2019
Instrument	2019000285714

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.19%
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	18 GEMA, SAN CLEMENTE, CA 92672-9408
Document Number	0000285715
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 GEMA SAN CLEMENTE CA 926729408, SAN CLEMENTE, CA 92672-9408

Mortgage

Document Number	0000285715
Date	Aug 6, 2019
Instrument	285715

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	984 Months

Interest

Rate Type	Adjustable Rate
Rate	3.19%

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		$713,507 (+2%) Land $502,794 Building $210,713
2025	$7,076.00 (+3.89%)	$699,517 (+4.04%) Land $492,935 Building $206,582
2023	$6,811.00 (+1.93%)	$672,354 Land $473,793 Building $198,561
2022	$6,682.00

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	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

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% 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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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