23 Calle la Espalda, San Clemente, CA 92673 Property Records

Orange County property record for 23 Calle la Espalda, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,082 sqft · built 2005
Lot Size	0.217 acres (9,432 sqft)
Owner	2 Individual Names on File
Last Sale	$2,175,000 (May 2024)
Tax Bill	$32,362 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`708-063-41`

Property Details

APN / Parcel Number

Primary APN	`708-063-41`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,082 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	9,432 sqft (0.217 acres)
Garage Area	656 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	23 CALLE LA ESPALDA
City	SAN CLEMENTE
State	CA
Zip	92673-7020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 16569 BLK LOT 38
Legal Subdivision	TRACT NO 16569
Legal Tract	16569
Legal Lot Number	38
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	2
Census Block	2003
Census Tract	32062

Owner

23 Calle la Espalda is owned and occupied by two individuals who bought it in May 2024.

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 Individual Names on File
Mailing Address	23 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WATERMARK CAPITAL INC
Oct 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Prior Sale	Sep 7, 2006 · Amount on File
Deed Document Number	2024136526
Prior Transfer Date	May 24, 2024
Prior Transfer Doc	0000136525
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CALLE LA, SAN CLEMENTE, CA 92673

Mortgage

Document Number	0000018339
Date	Jan 26, 2026
Instrument	2026000018339

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	23 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000344505
Date	Jul 20, 2020
Instrument	2020000344505

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 29, 2020
Property Address	23 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Document Number	0000534780
Map Reference	MB 862 PG 24-33
Instrument Date	Sep 21, 2020
Instrument	2020000534780
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 CALLE LA ESPALDA, 23, SAN CLEMENTE, CA 92673-7020

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000534781
Date	Sep 29, 2020
Instrument	2020000534781

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 1, 2020
Property Address	23 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Document Number	0000539763
Instrument Date	Sep 21, 2020
Instrument	539763
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	23 CALLE LA ESPALDA SAN CLEMENTE CA 926737020, SAN CLEMENTE, CA 92673-7020

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		$2,601,000 (+2%) Land $1,581,534 Building $1,019,466
2025	$32,362.00 (+59.7%)	$2,550,000 (+83.71%) Land $1,550,523 Building $999,477
2023	$20,264.00 (+0.44%) Homeowner's exemption	$1,388,059 Land $602,766 Building $785,293
2022	$20,176.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 23 Calle la Espalda in Zone X, an area of minimal flood risk.

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

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 23 Calle la Espalda is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 500

May also be available: AT&T, T-Mobile, Verizon.

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