28 Finca, San Clemente, CA 92672 Property Records

Orange County property record for 28 Finca, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,799 sqft · built 1989
Lot Size	0.079 acres (3,420 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Mar 2019)
Tax Bill	$10,076 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`690-592-27`

Property Details

APN / Parcel Number

Primary APN	`690-592-27`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,799 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	3,420 sqft (0.079 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	28 FINCA
City	SAN CLEMENTE
State	CA
Zip	92672-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 182
Legal Subdivision	TRACT 12883 IN THE CITY OF SAN CLEMENTE
Legal Tract	12883
Legal Lot Number	182
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2007
Census Tract	42109

Owner

28 Finca is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 FINCA, SAN CLEMENTE, CA 92672-9413
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
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 18, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Mar 25, 2019	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Deed Document Number	201993253
Prior Transfer Date	Nov 13, 2012
Prior Transfer Doc	0000763926
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28 FINCA, SAN CLEMENTE, CA 92672-9413
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4407 CANOE BIRCH CT, CONCORD, CA 94521-4301

Mortgage

Document Number	0000008026
Date	Jan 7, 2022
Instrument	2022000008026

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	28 FINCA, SAN CLEMENTE, CA 92672-9413
Document Number	0000000053
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 FINCA SAN CLEMENTE CA 926729413, SAN CLEMENTE, CA 92672-9413

Mortgage

Document Number	0000000053
Date	Jan 2, 2020
Instrument	53

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 25, 2019
Property Address	28 FINCA, SAN CLEMENTE, CA 92672-9413
Document Number	0000093253
Map Reference	MB 608 PG 33-38
Instrument Date	Feb 22, 2019
Instrument	2019000093253
Transaction Type	Transfer
Record Updated	Sep 14, 2021
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	28 FINCA, SAN CLEMENTE, CA 92672-9413

Mortgage

Document Number	0000093254
Date	Mar 25, 2019
Instrument	2019000093254

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 28 Finca was $10,076 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		$1,024,044 (+2%) Land $801,058 Building $222,986
2025	$10,076.00 Homeowner's exemption	$1,003,965 Land $785,351 Building $218,614
2023	$9,696.00 (+1.96%) Homeowner's exemption	$964,981 Land $754,855 Building $210,126
2022	$9,510.00

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

Flood

FEMA maps place 28 Finca 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	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

Wildfire risk around 28 Finca is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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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