Orange County property record for 2857 Penasco, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,329 sqft · built 1985 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Trust Name on File |
| Last Sale | $485,000 (Jun 2003) |
| Tax Bill | $10,848 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 680-421-01 |
| Primary APN | 680-421-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,329 sqft Living Area |
| 1st Floor Area | 1,329 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 7,500 sqft (0.172 acres) |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Street Address | 2857 PENASCO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92673-3561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 11957 BLK LOT 16 |
| Legal Subdivision | TRACT NO 11957 |
| Legal Tract | 11957 |
| Legal Lot Number | 16 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 42111 |
2857 Penasco is owner-occupied and held in a trust since September 2013.
Source: Orange County records, as of August 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2857 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Nov 15, 2017 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2003 · Amount on File |
| Deed Sale | Jun 5, 2003 · Amount on File |
| Deed Document Number | 2003654957 |
| Last Transfer Date | Sep 13, 2013 |
| Transfer Doc | 0000004615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 2857 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Title Company | NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 2857 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000649094 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2021000649094 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 2857 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000501368 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2017 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2857 PENASCO SAN CLEMENTE CA 926733561, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000501368 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 501368 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2047 |
The 2025 property tax bill for 2857 Penasco was $10,848 with a homeowner's exemption.
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | San Clemente City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $765,217 (+2%) Land $574,327 Building $190,890 | |
| 2025 | $10,848.00 Homeowner's exemption | $750,213 Land $563,065 Building $187,148 |
| 2023 | $10,564.00 (+1.33%) Homeowner's exemption | $721,082 Land $541,200 Building $179,882 |
| 2022 | $10,425.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2857 Penasco in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2857 Penasco 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 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 |
| AT&T Fixed Wireless | 100 / 20 |
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