Orange County property record for 2859 Penasco, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,480 sqft · built 1985 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | Trust Name on File |
| Last Sale | $548,000 (May 2010) |
| Tax Bill | $7,707 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Nov 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 680-421-02 |
| Primary APN | 680-421-02 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,480 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 8,000 sqft (0.184 acres) |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Street Address | 2859 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 15 |
| Legal Subdivision | TRACT NO 11957 |
| Legal Tract | 11957 |
| Legal Lot Number | 15 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 42111 |
2859 Penasco is owner-occupied and held in a trust since August 2022.
Source: Orange County records, as of August 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | 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 |
|---|---|
| Aug 24, 2022 | Intrafamily Transfer, Transfer |
| Nov 12, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 2, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 27, 2020 | Intrafamily Transfer, Transfer · ARM US BANK NA |
| Oct 25, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Oct 25, 2017 | Quit Claim Deed, Transfer Quitclaim |
| May 22, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2010 · Amount on File |
| Deed Sale | May 6, 2010 · Amount on File |
| Deed Document Number | 2010215082 |
| Last Transfer Date | Aug 23, 2022 |
| Transfer Doc | 0000286676 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Aug 24, 2022 |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000286676 |
| Map Reference | MB 522 PG 33-37 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 2022000286676 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Title Company | RADIAN LENDER SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000696372 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 2021000696372 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000550632 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021000550632 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | May 1, 2027 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Apr 27, 2020 |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000189125 |
| Map Reference | MB 522 PG 33-37 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 2020000189125 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | TICOR TTL ORANGE CNTY BRANCH |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2859 PENASCO, 2859, SAN CLEMENTE, CA 92673-3561 |
| Name | Verified Name |
|---|
| Document Number | 0000189126 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 2020000189126 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Oct 25, 2017 |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000452535 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 452535 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2859 PENASCO SAN CLEMENTE CA 926733561, SAN CLEMENTE, CA 92673-3561 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Oct 25, 2017 |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000452534 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 452534 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2859 PENASCO SAN CLEMENTE CA 926733561, SAN CLEMENTE, CA 92673-3561 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | May 22, 2017 |
| Property Address | 2859 PENASCO, SAN CLEMENTE, CA 92673-3561 |
| Document Number | 0000207117 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 207117 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2859 PENASCO SAN CLEMENTE CA 926733561, SAN CLEMENTE, CA 92673-3561 |
The 2025 property tax bill for 2859 Penasco was $7,707 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 | $784,450 (+2%) Land $567,284 Building $217,166 | |
| 2025 | $7,707.00 Homeowner's exemption | $769,069 Land $556,161 Building $212,908 |
| 2023 | $7,416.00 (+1.97%) Homeowner's exemption | $739,206 Land $534,564 Building $204,642 |
| 2022 | $7,273.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2859 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 2859 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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