704 Calle Cumbre, San Clemente, CA 92673 Property Records

Orange County property record for 704 Calle Cumbre, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,818 sqft · built 1980
Lot Size	0.176 acres (7,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,270,000 (Oct 2018)
Tax Bill	$14,308 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`680-092-15`

Property Details

APN / Parcel Number

Primary APN	`680-092-15`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	7,650 sqft (0.176 acres)
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 CALLE CUMBRE
City	SAN CLEMENTE
State	CA
Zip	92673-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 9272 BLK LOT 15
Legal Subdivision	TRACT NO 9272
Legal Tract	9272
Legal Lot Number	15
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1003
Census Tract	42111

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	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL CORP
Apr 3, 2020	Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL CORP
Jul 8, 2019	Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL CORP
Oct 25, 2018	Grant Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Deed Document Number	2018386667
Prior Transfer Date	Aug 10, 2012
Prior Transfer Doc	0000482231
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Investor	Possibly a Property Investor

Mortgage

Document Number	0000107549
Date	Feb 16, 2021
Instrument	2021000107549

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000151692
Date	Apr 3, 2020
Instrument	2020000151692

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000241281
Date	Jul 8, 2019
Instrument	2019000241281

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 25, 2018
Property Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Document Number	0000386667
Map Reference	MB402 PG1-17
Instrument Date	Sep 25, 2018
Instrument	2018000386667
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIDELITY NATIONAL TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	704 CALLE CUMBRE, SAN CLEMENTE, CA 92673-3527
Investor	Possibly a Property Investor

Mortgage

Document Number	0000386668
Date	Oct 25, 2018
Instrument	2018000386668

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$1,445,040 (+2%) Land $1,179,938 Building $265,102
2025	$14,308.00 (+3.89%)	$1,416,706 (+4.04%) Land $1,156,802 Building $259,904
2023	$13,772.00 (+1.94%)	$1,361,695 Land $1,111,883 Building $249,812
2022	$13,510.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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