35 Gema, San Clemente, CA 92672 Property Records

Orange County property record for 35 Gema, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,799 sqft · built 1989
Lot Size	0.079 acres (3,420 sqft)
Owner	Individual Name on Record
Last Sale	$1,240,000 (Aug 2024)
Tax Bill	$12,526 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`690-592-48`

Property Details

APN / Parcel Number

Primary APN	`690-592-48`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,799 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	3,420 sqft (0.079 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	35 GEMA
City	SAN CLEMENTE
State	CA
Zip	92672-9409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 202
Legal Subdivision	TRACT NO. 12883
Legal Tract	12883
Legal Lot Number	202
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2007
Census Tract	42109

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	105 MONARCH BEACH RESORT S, DANA POINT, CA 92629-4008
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 27, 2020	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Apr 18, 2019	Deed of Trust, Mortgage · Conventional with PMI JMAC LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	2024225319
Prior Transfer Date	Apr 22, 2002
Prior Transfer Doc	0000346864
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	35 GEMA, SAN CLEMENTE, CA 92672-9409
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061398
Date	Feb 13, 2020
Instrument	2020000061398

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Aug 27, 2020
Property Address	35 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000444006
Map Reference	MB 608 PG 33-38
Instrument Date	Aug 4, 2020
Instrument	2020000444006
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	35 GEMA, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000444007
Date	Aug 27, 2020
Instrument	2020000444007

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	35 GEMA, SAN CLEMENTE, CA 92672-9409
Document Number	0000130907
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	35 GEMA SAN CLEMENTE CA 926729409, SAN CLEMENTE, CA 92672-9409

Mortgage

Document Number	0000130907
Date	Apr 23, 2019
Instrument	130907

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

Tax Assessment & Valuation

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		$1,264,800 (+2%) Land $1,045,200 Building $219,600
2025	$12,526.00 (+50.86%)	$1,240,000 (+49.92%) Land $1,024,705 Building $215,295
2023	$8,303.00 (+1.95%) Homeowner's exemption	$827,118 Land $643,405 Building $183,713
2022	$8,144.00

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

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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

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	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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Nearby Properties on Gema

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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