Riverside County property record for 32645 San Clemente, Lake Elsinore, CA 92530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,740 sqft · built 2007 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,000 (Jan 2012) |
| Tax Bill | $4,883 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Oct 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 370-540-005 |
| Primary APN | 370-540-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,740 sqft Living Area |
| Gross Area | 2,211 sqft |
| 1st Floor Area | 1,740 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2008 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 32645 SAN CLEMENTE |
|---|---|
| City | LAKE ELSINORE |
| State | CA |
| Zip | 92530-0478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | .20 ACRES M/L IN LOT 175 MB 371/087 TR 30846 |
| Legal Tract | 30846 |
| Legal Lot Number | 175 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | ELSINORE VALLEY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 46403 |
32645 San Clemente is owned and occupied by an individual who bought it in January 2012.
Source: Riverside County records, as of July 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32645 SAN CLEMENTE, LAKE ELSINORE, CA 92530-0478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage SHARP LOAN |
| Oct 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2012 · Amount on File |
| Deed Sale | Jan 24, 2012 · Amount on File |
| Prior Sale | Aug 25, 2010 · Amount on File |
| Deed Document Number | 201231881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 32645 SAN CLEMENTE, LAKE ELSINORE, CA 92530-0478 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1836 E 53RD ST, LONG BEACH, CA 90805-6216 |
| Document Number | 0000093252 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 2023-0093252 |
| Name | SHARP LOAN |
|---|---|
| Address | ENTERPRISE, OR 97828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 32645 SAN CLEMENTE, LAKE ELSINORE, CA 92530-0478 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 32645 SAN CLEMENTE, LAKE ELSINORE, CA 92530-0478 |
| Document Number | 0000321865 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023-0321865 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2038 |
The 2025 property tax bill for 32645 San Clemente was $4,883 with a homeowner's exemption.
Source: Riverside County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | California |
| County | Riverside County |
| Municipality | Lake Elsinore City |
| Unified School District | Lake Elsinore Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $215,089 (+2%) Land $64,049 Building $151,040 | ||
| 2025 | $4,883.00 Homeowner's exemption | $210,873 Land $62,794 Building $148,079 | |
| 2023 | $5,007.00 (+1.11%) Homeowner's exemption | $202,686 Land $60,356 Building $142,330 | |
| 2022 | $4,952.00 | ||
| 2021 | $366,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32645 San Clemente in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective October 14, 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | May 1983 · 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 risk around 32645 San Clemente is high, ranking above 87% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELSINORE VALLEY MWD serves 169,455 people · EPA ID CA3310012 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 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 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Accel Wireless, GeoLinks.
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