2925 Cercado, San Clemente, CA 92673 Property Records

Orange County property record for 2925 Cercado, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,055 sqft · built 1985
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$810,000 (May 2016)
Tax Bill	$9,621 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`680-343-03`

Property Details

APN / Parcel Number

Primary APN	`680-343-03`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,055 sqft Living Area

Exterior

Year Built	Built 1985
Lot Area	10,000 sqft (0.229 acres)
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	2925 CERCADO
City	SAN CLEMENTE
State	CA
Zip	92673-3454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 11880 BLK LOT 69
Legal Tract	11880
Legal Lot Number	69
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1006
Census Tract	42205

Owner

Source: Orange County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 27, 2019	Loan Modification, Mortgage · Conventional Mortgage CALIFORNIA CU
Dec 28, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 12, 2016 · Amount on Record
Deed Sale	May 12, 2016 · Amount on Record
Prior Sale	Sep 5, 2003 · Amount on Record
Deed Document Number	2016000213531
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454

Mortgage

Document Number	0000110519
Date	Mar 22, 2022
Instrument	2022000110519

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TTL & SYNR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454

Mortgage

Document Number	0000624385
Date	Nov 2, 2020
Instrument	2020000624385

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE CA
Property Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454
Document Number	0000515687
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2925 CERCADO SAN CLEMENTE CA 926733454, SAN CLEMENTE, CA 92673-3454

Mortgage

Document Number	0000515687
Date	Dec 10, 2019
Instrument	515687

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	2925 CERCADO, SAN CLEMENTE, CA 92673-3454
Document Number	0000006101
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2925 CERCADO SAN CLEMENTE CA 926733454, SAN CLEMENTE, CA 92673-3454

Mortgage

Document Number	0000006101
Date	Jan 8, 2018
Instrument	6101

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll, as of July 1, 2025

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
2025	$9,621.00 (+3.92%) Homeowner's exemption	$958,873 (+4.04%) Land $706,077 Building $252,796
2023	$9,258.00 (+1.96%) Homeowner's exemption	$921,640 Land $678,659 Building $242,981
2022	$9,080.00

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

Flood

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
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2019 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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 609 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 USA Fixed Wireless	100 / 20

May also be available: AT&T.

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