41 Finca, San Clemente, CA 92672 Property Records

Orange County property record for 41 Finca, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,045 sqft · built 1989
Lot Size	0.072 acres (3,116 sqft)
Owner	2 Individual Names on File
Last Sale	$767,500 (Apr 2018)
Tax Bill	$8,758 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`690-591-29`

Property Details

APN / Parcel Number

Primary APN	`690-591-29`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,045 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	3,116 sqft (0.072 acres)
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	41 FINCA
City	SAN CLEMENTE
State	CA
Zip	92672-9411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 29
Legal Tract	12883
Legal Lot Number	29
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2008
Census Tract	42109

Owner

41 Finca is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	41 FINCA, SAN CLEMENTE, CA 92672-9411
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Apr 4, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on File
Deed Sale	Apr 4, 2018 · Amount on File
Prior Sale	Apr 3, 2013
Deed Document Number	2018119646
Prior Transfer Date	Aug 22, 2013
Prior Transfer Doc	0000500096
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	41 FINCA, SAN CLEMENTE, CA 92672-9411
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000391549
Date	Oct 8, 2019
Instrument	2019000391549

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 4, 2018
Property Address	41 FINCA, SAN CLEMENTE, CA 92672-9411
Document Number	0000119646
Instrument Date	Mar 14, 2018
Instrument	119646
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	WESTERN RESOURCES TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$844.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 FINCA SAN CLEMENTE CA 926729411, SAN CLEMENTE, CA 92672-9411

Mortgage

Document Number	119647
Date	Apr 4, 2018
Instrument	119647

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 3, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 41 Finca was $8,758 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		$890,747 (+2%) Land $669,298 Building $221,449
2025	$8,758.00 Homeowner's exemption	$873,282 Land $656,175 Building $217,107
2023	$8,427.00 (+1.96%) Homeowner's exemption	$839,372 (+2%) Land $630,695 Building $208,677
2022	$8,265.00 Homeowner's exemption	$822,914 Land $618,328 Building $204,586

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

Flood

FEMA maps place 41 Finca 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	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

Wildfire risk around 41 Finca is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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.

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