45 Gema, San Clemente, CA 92672 Property Records

Orange County property record for 45 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	0.092 acres (3,990 sqft)
Owner	Individual Name on Record
Tax Bill	$8,248 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`690-591-13`

Property Details

APN / Parcel Number

Primary APN	`690-591-13`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,799 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Lot Area	3,990 sqft (0.092 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	45 GEMA
City	SAN CLEMENTE
State	CA
Zip	92672-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 12883 BLK LOT 13
Legal Subdivision	TRACT NO. 12883
Legal Tract	12883
Legal Lot Number	13
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 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	45 GEMA, SAN CLEMENTE, CA 92672-9495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 5, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2016
Deed Sale	May 23, 2016
Prior Sale	May 23, 2016 · Amount on Record
Deed Document Number	2016229062
Prior Transfer Date	May 13, 2016
Prior Transfer Doc	0000229062
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Recording Date	Apr 21, 2026
Property Address	45 GEMA, SAN CLEMENTE, CA 92672-9495
Document Number	0000112961
Instrument Date	Apr 15, 2026
Instrument	2026112961
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 GEMA, SAN CLEMENTE, CA 92672-9495

Mortgage

Document Number	0000112961,
Date	Apr 21, 2026
Instrument	2026112961

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	45 GEMA, SAN CLEMENTE, CA 92672-9495
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 GEMA, SAN CLEMENTE, CA 92672-9495

Mortgage

Document Number	0000170350
Date	May 5, 2022
Instrument	2022000170350

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2052

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		$839,189 (+2%) Land $646,487 Building $192,702
2025	$8,248.00 (+1.71%) Homeowner's exemption	$822,735 (+4.04%) Land $633,811 Building $188,924
2024	$8,109.00 (+2.18%)
2023	$7,936.00 (+1.95%) Homeowner's exemption	$790,788 Land $609,199 Building $181,589
2022	$7,784.00

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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