2908 Cercado, San Clemente, CA 92673 Property Records

Orange County property record for 2908 Cercado, San Clemente, CA 92673 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,873 sqft · built 1985
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Company Names on File
Last Sale	$750,000 (Aug 2015)
Tax Bill	$8,975 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`680-312-07`

Property Details

APN / Parcel Number

Primary APN	`680-312-07`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,873 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	7,500 sqft (0.172 acres)
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2908 CERCADO
City	SAN CLEMENTE
State	CA
Zip	92673-3452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 11880 BLK LOT 34
Legal Subdivision	TRACT 11880
Legal Tract	11880
Legal Lot Number	34
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1004
Census Tract	42205

Owner

Source: Orange County records · APN 680-312-07

Assessment roll updated August 4, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Jan 31, 2022	Intrafamily Transfer, Transfer
Sep 09, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MONARCH FUNDING CORP
Mar 03, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 17, 2015 · Amount on Record
Deed Sale	Aug 17, 2015 · Amount on Record
Deed Document Number	2015428752
Last Transfer Date	Jan 23, 2022
Transfer Doc	0000039451
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452
Transaction Type	Mortgage
Record Updated	Apr 05, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452

Mortgage

Document Number	0000070535
Date	Mar 25, 2024
Instrument	2024000070535

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Jan 31, 2022
Property Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452
Document Number	0000039451
Map Reference	MB 519 PG 6-10
Instrument Date	Jan 23, 2022
Instrument	2022000039451
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Sep 09, 2020
Property Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452
Document Number	0000479003
Map Reference	MB 519 PG 6-10
Instrument Date	Sep 01, 2020
Instrument	2020000479003
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452

Mortgage

Document Number	0000479004
Date	Sep 09, 2020
Instrument	2020000479004

Lender

Name	MONARCH FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Mar 03, 2020
Property Address	2908 CERCADO, SAN CLEMENTE, CA 92673-3452
Document Number	0000094246
Instrument Date	Jan 29, 2020
Instrument	94246
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated August 4, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$905,601 (+2%) Land $730,819 Building $174,782
2025	$8,975.00 (+3.89%)	$887,845 (+4.04%) Land $716,490 Building $171,355
2023	$8,639.00 (+1.94%)	$853,370 Land $688,668 Building $164,702
2022	$8,475.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (06059C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060590422051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2019, rainfall accumulation

Wildfire

Wildfire Risk	Low above 32% of the US · above 19% of California
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 609 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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