32 Calle la Espalda, San Clemente, CA 92673 Property Records

Orange County property record for 32 Calle la Espalda, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,024 sqft · built 2005
Lot Size	0.2 acres (8,723 sqft)
Owner	Trust Name on File
Last Sale	$895,000 (Apr 2012)
Tax Bill	$18,668 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`708-063-36`

Property Details

APN / Parcel Number

Primary APN	`708-063-36`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,024 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	8,723 sqft (0.2 acres)
Garage Area	656 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	32 CALLE LA ESPALDA
City	SAN CLEMENTE
State	CA
Zip	92673-7020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 16569 BLK LOT 33
Legal Subdivision	TRACT NO. 16569
Legal Tract	16569
Legal Lot Number	33
Jurisdiction	ORANGE CA
Township / Civil Division	MISSION VIEJO
Census Block Group	2
Census Block	2003
Census Tract	32062

Owner

32 Calle la Espalda is owner-occupied and held in a trust since April 2012.

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

Owner of Record	Trust Name on File
Mailing Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 16, 2023	Intrafamily Transfer, Transfer
Sep 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage CSTONE MORTGAGE INC
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2012 · Amount on File
Deed Sale	Apr 12, 2012 · Amount on File
Prior Sale	Aug 23, 2006 · Amount on File
Deed Document Number	2012209917
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020

Mortgage

Document Number	0000311034
Date	Nov 13, 2025
Instrument	2025000311034

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	10.5%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Feb 16, 2023
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Document Number	0000036042
Map Reference	MB 862 PG 24-33
Instrument Date	Feb 15, 2023
Instrument	2023000036042
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401484
Date	Sep 21, 2017
Instrument	2017000401484

Lender

Name	CSTONE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000363105
Date	Sep 23, 2019
Instrument	2019000363105

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127667
Date	Mar 20, 2020
Instrument	2020000127667

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	ABERDEEN, SD 57401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	32 CALLE LA ESPALDA, SAN CLEMENTE, CA 92673-7020
Document Number	0000244843
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32 CALLE LA ESPALDA SAN CLEMENTE CA 926737020, SAN CLEMENTE, CA 92673-7020

Mortgage

Document Number	0000244843
Date	May 29, 2020
Instrument	244843

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 32 Calle la Espalda was $18,668 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		$1,215,607 (+2%) Land $379,541 Building $836,066
2025	$18,668.00 Homeowner's exemption	$1,191,772 Land $372,099 Building $819,673
2023	$17,896.00 (-0.09%)	$1,145,495 Land $357,650 Building $787,845
2022	$17,913.00

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

Flood

FEMA maps place 32 Calle la Espalda 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	2 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 32 Calle la Espalda is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SANTA MARGARITA WATER DISTRICT serves 165,275 people · EPA ID CA3010101
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 500

May also be available: AT&T, T-Mobile, Verizon.

Nearby Properties on Calle la Espalda

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures