Orange County property record for 5103 Costa Rustico, San Clemente, CA 92673
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,332 sqft · built 2000 |
| Lot Size | 0.106 acres (4,655 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $890,000 (Jul 2018) |
| Tax Bill | $10,749 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 678-131-11 |
| Primary APN | 678-131-11 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,332 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Lot Area | 4,655 sqft (0.106 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 5103 COSTA RUSTICO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92673-7120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 15864 BLK LOT 117 |
| Legal Tract | 15864 |
| Legal Lot Number | 117 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 42112 |
Source: Orange County records, as of November 17, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU |
| Jul 16, 2018 | Intrafamily Transfer, Transfer · ARM LUTHER BURBANK SAVINGS & CALIFORNIA BANK |
| Jul 23, 2018 | Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2018 · Amount on Record |
| Deed Sale | Jul 23, 2018 · Amount on Record |
| Prior Sale | Jul 16, 2018 |
| Deed Document Number | 2018000267698 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000513615 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021000513615 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000293652 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021000293652 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 16, 2018 |
| Property Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000258693 |
| Map Reference | MB801 PG29-36 |
| Instrument Date | Jul 12, 2018 |
| Instrument | 2018000258693 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | ORANGE COAST TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000258694 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 2018000258694 |
| Name | LUTHER BURBANK SAVINGS & CALIFORNIA BANK |
|---|---|
| Address | SANTA ROSA, CA 95401 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 1, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Aug 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 6.62% |
| Index | 1-Year LIBOR |
| Max Rate | 10.6% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 23, 2018 |
| Property Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000267698 |
| Map Reference | MB801 PG29-36 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 2018000267698 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | LAWYERS TITLE |
| 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 |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5103 COSTA RUSTICO, SAN CLEMENTE, CA 92673-7120 |
| Document Number | 0000267699 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 2018000267699 |
| Name | SCHOOLSFIRST FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Orange County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|
| 2025 | $10,749.00 (+3.59%) | $992,809 (+4.04%) Land $641,665 Building $351,144 |
| 2023 | $10,376.00 (+1.83%) | $954,258 Land $616,749 Building $337,509 |
| 2022 | $10,190.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% 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 588 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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