397 Calle Borrego, San Clemente, CA 92672 Property Records

Orange County property record for 397 Calle Borrego, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,413 sqft · built 1974
Lot Size	0.038 acres (1,663 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Oct 2015)
Tax Bill	$6,544 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`691-133-02`

Property Details

APN / Parcel Number

Primary APN	`691-133-02`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,413 sqft Living Area
Gross Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Lot Area	1,663 sqft (0.038 acres)
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	397 CALLE BORREGO
City	SAN CLEMENTE
State	CA
Zip	92672-4838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 7351 BLK LOT 156
Legal Subdivision	TRACT NO 7351
Legal Tract	7351
Legal Lot Number	156
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1006
Census Tract	42206

Owner

397 Calle Borrego is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	397 CALLE BORREGO, SAN CLEMENTE, CA 92672-4838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST ONE CAPITAL GROUP INC
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2015 · Amount on File
Deed Sale	Oct 6, 2015 · Amount on File
Prior Sale	Nov 30, 2001
Deed Document Number	2015507856
Prior Transfer Date	Nov 21, 2001
Prior Transfer Doc	0000862983
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 CALLE BORREGO, SAN CLEMENTE, CA 92672-4838
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 CALLE BORREGO, SAN CLEMENTE, CA 92672-4838

Mortgage

Document Number	0000267523
Date	Apr 21, 2021
Instrument	2021000267523

Lender

Name	WEST ONE CAPITAL GROUP INC
Type	Non-Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 CALLE BORREGO, SAN CLEMENTE, CA 92672-4838
Document Number	0000542134
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	397 CALLE BORREGO SAN CLEMENTE CA 926724838, SAN CLEMENTE, CA 92672-4838

Mortgage

Document Number	0000542134
Date	Oct 1, 2020
Instrument	542134

Lender

Name	WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC
Type	Bank
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	397 CALLE BORREGO, SAN CLEMENTE, CA 92672-4838
Document Number	0000035090
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	397 CALLE BORREGO SAN CLEMENTE CA 926724838, SAN CLEMENTE, CA 92672-4838

Mortgage

Document Number	0000035090
Date	Jan 25, 2017
Instrument	35090

Lender

Name	WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC
Type	Funding / Finance Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 397 Calle Borrego was $6,544 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		$603,717 (+2%) Land $481,639 Building $122,078
2025	$6,544.00 Homeowner's exemption	$591,880 Land $472,195 Building $119,685
2023	$6,202.00 (+2.72%) Homeowner's exemption	$568,898 Land $453,859 Building $115,039
2022	$6,038.00

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

Flood

FEMA maps place 397 Calle Borrego 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	3 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 397 Calle Borrego is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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