Orange County property record for 45 Via Palacio, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,465 sqft · built 1998 |
| Lot Size | 0.128 acres (5,557 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,055,000 (Aug 2020) |
| Tax Bill | $11,538 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit Feb 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 688-271-55 |
| Primary APN | 688-271-55 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,465 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 5,557 sqft (0.128 acres) |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|
| Street Address | 45 VIA PALACIO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92673-5686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 15269 BLK LOT 17 |
| Legal Subdivision | TRACT NO 15269 |
| Legal Tract | 15269 |
| Legal Lot Number | 17 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 42112 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 21, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MANN MORTGAGE LLC |
| Apr 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 27, 2020 | Grant Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Jun 4, 2018 | Grant Deed, Transfer LAWYERS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2020 · Amount on Record |
| Deed Sale | Aug 27, 2020 · Amount on Record |
| Prior Sale | Jun 4, 2018 · Amount on Record |
| Deed Document Number | 2020443744 |
| Prior Transfer Date | Feb 27, 2013 |
| Prior Transfer Doc | 0000140692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000300174 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | 2017000300174 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000061292 |
|---|---|
| Date | Feb 14, 2017 |
| Instrument | 2017000061292 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | KALISPELL, MT 59901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000133589 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 2019000133589 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | TICOR TTL ORANGE CNTY BRANCH |
| Name | Verified Name |
|---|
| Document Number | 0000092349 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 2020000092349 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Aug 27, 2020 |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Document Number | 0000443744 |
| Map Reference | MB 744 PG 23-25 |
| Instrument Date | Aug 5, 2020 |
| Instrument | 2020000443744 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Document Number | 0000443745 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 2020000443745 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jun 4, 2018 |
| Property Address | 45 VIA PALACIO, SAN CLEMENTE, CA 92673-5686 |
| Document Number | 0000203502 |
| Instrument Date | May 9, 2018 |
| Instrument | 203502 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2018 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $962.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 VIA PALACIO SAN CLEMENTE CA 926735686, SAN CLEMENTE, CA 92673-5686 |
Source: Orange County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | California |
| County | Orange County |
| Municipality | San Clemente City |
| Unified School District | Capistrano Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,164,804 (+2%) Land $850,665 Building $314,139 | |
| 2025 | $11,538.00 (+3.89%) | $1,141,965 (+4.04%) Land $833,985 Building $307,980 |
| 2023 | $11,106.00 (+1.95%) | $1,097,622 Land $801,600 Building $296,022 |
| 2022 | $10,894.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 152 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 |
| AT&T Fixed Wireless | 100 / 20 |
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