49 Chapital, San Clemente, CA 92672 Property Records

Orange County property record for 49 Chapital, San Clemente, CA 92672

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,587 sqft · built 1996
Lot Size	0.097 acres (4,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Oct 2003)
Tax Bill	$9,341 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`688-251-29`

Property Details

APN / Parcel Number

Primary APN	`688-251-29`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,587 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	4,240 sqft (0.097 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	49 CHAPITAL
City	SAN CLEMENTE
State	CA
Zip	92672-9311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 14986 BLK LOT 24
Legal Subdivision	TRACT NUMBER 14986
Legal Tract	14986
Legal Lot Number	24
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	4
Census Block	4000
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	2 Individual Names on Record
Mailing Address	49 CHAPITAL, SAN CLEMENTE, CA 92672-9311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2003 · Amount on Record
Deed Sale	Oct 16, 2003 · Amount on Record
Prior Sale	Jul 31, 1996 · Amount on Record
Deed Document Number	20031278096
Last Transfer Date	Feb 28, 2006
Transfer Doc	0000154055
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	49 CHAPITAL, SAN CLEMENTE, CA 92672-9311
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CHAPITAL, SAN CLEMENTE, CA 92672-9311

Mortgage

Document Number	0000305119
Date	Dec 11, 2023
Instrument	2023000305119

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2043

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	49 CHAPITAL, SAN CLEMENTE, CA 92672-9311
Document Number	0000176451
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FED'L TITLE/CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49 CHAPITAL SAN CLEMENTE CA 926729311, SAN CLEMENTE, CA 92672-9311

Mortgage

Document Number	0000176451
Date	Apr 20, 2020
Instrument	176451

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

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		$942,642 (+2%) Land $561,423 Building $381,219
2025	$9,341.00 (+3.88%)	$924,159 (+4.04%) Land $550,414 Building $373,745
2023	$8,992.00 (+1.94%)	$888,274 Land $529,041 Building $359,233
2022	$8,821.00

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	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

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 367 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
Starlink Satellite	280 / 30

May also be available: GeoLinks, T-Mobile, Verizon.

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