Orange County property record for 931 Rio Lindo, San Clemente, CA 92672
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,044 sqft · built 1996 |
| Lot Size | 0.127 acres (5,529 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,999,000 (Jul 2026) |
| Tax Bill | $14,725 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 688-231-48 |
| Primary APN | 688-231-48 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,044 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 5,529 sqft (0.127 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Street Address | 931 RIO LINDO |
|---|---|
| City | SAN CLEMENTE |
| State | CA |
| Zip | 92672-7201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N TR 14759 BLK LOT 108 |
| Legal Subdivision | TR 14759 |
| Legal Tract | 14759 |
| Legal Lot Number | 108 |
| Jurisdiction | ORANGE CA |
| Township / Civil Division | SOUTH COAST |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 42109 |
Source: Orange County records, as of August 5, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Her Husband |
| Date | Document |
|---|---|
| Jul 17, 2026 | Grant Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Feb 23, 2026 | Intrafamily Transfer, Transfer |
| Jun 7, 2023 | Deed of Trust, Mortgage · Reverse Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on Record |
| Deed Sale | Jul 17, 2026 · Amount on Record |
| Prior Sale | Jul 15, 2024 · Amount on Record |
| Deed Document Number | 2026205141 |
| Prior Transfer Date | Aug 6, 2025 |
| Prior Transfer Doc | 0000236041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Jul 17, 2026 |
| Property Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Document Number | 0000205141 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026205141 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | FIRST CONSUMERS TITLE, CONSUMERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222,088.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Investor | Possibly a Property Investor |
| Document Number | 0000205142, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 2026205142 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE CA |
| Recording Date | Feb 23, 2026 |
| Property Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Document Number | 0000053487 |
| Map Reference | MB 707 PG 13-22 |
| Instrument Date | Feb 18, 2026 |
| Instrument | 2026000053487 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE CA |
| Property Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 931 RIO LINDO, SAN CLEMENTE, CA 92672-7201 |
| Document Number | 0000134693 |
|---|---|
| Date | Jun 7, 2023 |
| Instrument | 2023000134693 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.9% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.9% |
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 | $1,494,300 (+2%) Land $1,187,979 Building $306,321 | |
| 2025 | $14,725.00 (+203.36%) | $1,465,000 (+208.29%) Land $1,164,685 Building $300,315 |
| 2024 | $4,854.00 (+2.19%) | |
| 2023 | $4,750.00 (+1.98%) Homeowner's exemption | $475,209 Land $202,383 Building $272,826 |
| 2022 | $4,658.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within 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 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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