45 Finca, San Clemente, CA 92672 Property Records

Orange County property record for 45 Finca, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,914 sqft · built 1989
Lot Size	0.072 acres (3,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Apr 2019)
Tax Bill	$8,683 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`690-591-28`

Property Details

APN / Parcel Number

Primary APN	`690-591-28`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,914 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	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	45 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 28
Legal Subdivision	TR 12883
Legal Tract	12883
Legal Lot Number	28
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	2
Census Block	2008
Census Tract	42109

Owner

Source: Orange County records, as of October 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	45 FINCA, SAN CLEMENTE, CA 92672-9411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
May 25, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	May 25, 2017 · Amount on Record
Deed Document Number	2019108976
Prior Transfer Date	Feb 2, 2004
Prior Transfer Doc	0000088723
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Sep 29, 2026
Property Address	45 FINCA, SAN CLEMENTE, CA 92672-9411
Document Number	0000272855
Instrument Date	Sep 19, 2026
Instrument	2026272855
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	232 VIA PRESA, SAN CLEMENTE, CA 92672-9459

Mortgage

Document Number	0000272855,
Date	Sep 29, 2026
Instrument	2026272855

Lender

Name	MEGA CAPITAL FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	45 FINCA, SAN CLEMENTE, CA 92672-9411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116777
Date	Mar 16, 2020
Instrument	2020000116777

Lender

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

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Apr 5, 2019
Property Address	45 FINCA, SAN CLEMENTE, CA 92672-9411
Document Number	0000108976
Instrument Date	Mar 1, 2019
Instrument	108976
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
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	45 FINCA SAN CLEMENTE CA 926729411, SAN CLEMENTE, CA 92672-9411

Mortgage

Document Number	108977
Date	Apr 5, 2019
Instrument	108977

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	May 25, 2017
Property Address	45 FINCA, SAN CLEMENTE, CA 92672-9411
Document Number	0000214185
Map Reference	MB 608 PG 33-38
Instrument Date	Apr 27, 2017
Instrument	2017000214185
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CALIFORNIA 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
Address	45 FINCA, SAN CLEMENTE, CA 92672-9411

Mortgage

Document Number	0000214186
Date	May 25, 2017
Instrument	2017000214186

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$883,206 (+2%) Land $659,598 Building $223,608
2025	$8,683.00 (+3.93%) Homeowner's exemption	$865,889 (+4.04%) Land $646,665 Building $219,224
2023	$8,355.00 (+5.55%) Homeowner's exemption	$832,266 Land $621,554 Building $210,712
2022	$7,916.00

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 64% of the US · lower than 60% of California
Wildfire Likelihood	0.2% 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	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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