78 Marbella, San Clemente, CA 92673 Property Records

Orange County property record for 78 Marbella, San Clemente, CA 92673

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,326 sqft · built 1989
Lot Size	0.277 acres (12,075 sqft)
Owner	Individual Name on Record
Last Sale	$2,470,000 (Oct 2020)
Tax Bill	$26,913 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`675-176-28`

Property Details

APN / Parcel Number

Primary APN	`675-176-28`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,326 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	12,075 sqft (0.277 acres)
View / Lot	Ocean
Garage Area	722 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	78 MARBELLA
City	SAN CLEMENTE
State	CA
Zip	92673-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	N TR 8575 BLK LOT 79 TR 8575 LOT 79 AND POR LOT 245
Legal Tract	8575
Legal Lot Number	79
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	3
Census Block	3038
Census Tract	42205

Owner

Source: Orange County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	78 MARBELLA, SAN CLEMENTE, CA 92673-2758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2017	Deed of Trust, Mortgage · ARM HSBC BANK USA
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 16, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	May 26, 2016 · Amount on Record
Deed Document Number	2020580373
Prior Transfer Date	Jan 17, 2000
Prior Transfer Doc	0000037211
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	78 MARBELLA, SAN CLEMENTE, CA 92673-2758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000263065
Date	Jun 26, 2017
Instrument	2017000263065

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.92%
Index	1-Year LIBOR
Max Rate	7.92%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	78 MARBELLA, SAN CLEMENTE, CA 92673-2758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030235
Date	Jan 23, 2020
Instrument	2020000030235

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Oct 16, 2020
Property Address	78 MARBELLA, SAN CLEMENTE, CA 92673-2758
Document Number	0000580373
Map Reference	DOC 82-331046
Instrument Date	Sep 25, 2020
Instrument	2020000580373
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 MARBELLA, SAN CLEMENTE, CA 92673-2758

Mortgage

Document Number	0000580374
Date	Oct 16, 2020
Instrument	2020000580374

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 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		$2,727,078 (+2%) Land $1,973,040 Building $754,038
2025	$26,913.00 (+3.91%) Homeowner's exemption	$2,673,606 (+4.04%) Land $1,934,353 Building $739,253
2023	$25,901.00 (+1.94%) Homeowner's exemption	$2,569,788 Land $1,859,240 Building $710,548
2022	$25,407.00

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	4 in force
Nearby Flood Claims	3 (1980–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2024 · Severe Storms And Flooding

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 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% 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 304 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

May also be available: AT&T.

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