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

Orange County property record for 27 Calle la Espalda, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,823 sqft · built 2005
Lot Size	0.137 acres (5,972 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jul 2020)
Tax Bill	$19,301 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`708-063-39`

Property Details

APN / Parcel Number

Primary APN	`708-063-39`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,823 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	5,972 sqft (0.137 acres)
Garage Area	712 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	27 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 36
Legal Subdivision	CAZADERO AT TALEGA
Legal Tract	16569
Legal Lot Number	36
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	2
Census Block	2003
Census Tract	32062

Owner

27 Calle la Espalda is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	27 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Jun 15, 2017	Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK
Jul 9, 2020	Grant Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Prior Sale	Jul 17, 2014 · Amount on File
Deed Document Number	2020326459
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	27 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020

Mortgage

Document Number	0000436221
Date	Jul 6, 2021
Instrument	2021000436221

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	27 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	0000245822
Date	Jun 15, 2017
Instrument	2017000245822

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73162

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Jul 9, 2020
Property Address	27 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Document Number	0000326459
Map Reference	MB 862 PG 24-33
Instrument Date	Jun 1, 2020
Instrument	2020000326459
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO TITLE

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	27 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020

Mortgage

Document Number	0000326460
Date	Jul 9, 2020
Instrument	2020000326460

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 27 Calle la Espalda was $19,301 with a homeowner's exemption.

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		$1,324,895 (+2%) Land $481,221 Building $843,674
2025	$19,301.00 Homeowner's exemption	$1,298,917 Land $471,785 Building $827,132
2023	$18,488.00 (+0.39%) Homeowner's exemption	$1,248,480 Land $453,466 Building $795,014
2022	$18,416.00

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

Flood

FEMA maps place 27 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 27 Calle la Espalda is moderate, ranking above 53% 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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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