Senior Downsizing

Senior Downsizing Real Estate Agent in San Clemente, CA

Paula Aragone represents owners aged 55 and over selling a long held San Clemente home, where two public processes run on their own calendars beside the sale: the coastal permit path, with an appeal route the city cannot close, and the rail corridor along the beach that is still being rebuilt.

The short answer

Proposition 19 lets an owner who is at least 55 on the date of sale carry the base year value to a replacement primary residence anywhere in California, up to three times, within two years of the sale in either direction. In this city there is a second calendar. Work in the coastal zone needs a permit, and near the bluff or the beach the city's decision stays appealable to the Coastal Commission, so the timeline questions come before the listing date.

  • Age at sale55 or over, or severely and permanently disabled at any age
  • Claims availableThree under Proposition 19, effective 1 April 2021
  • GeographyAny California county, no ordinance or reciprocity required
  • The two year ruleMeasured between the two transactions, in either order
  • Form and deadlineBOE-19-B, three years, replacement county's assessor
  • The San Clemente itemCoastal permits under PRC 30600 and appeals under PRC 30603
23+
Years in Orange County
900+
Transactions
$900M+
Sold
CPRES
Certified
SRES
Certified
Between the decision and the listing

A Permit Path and a Railway, Both Running on Their Own Calendars


Ole Hanson bought the land in 1925 and built a master planned Mediterranean coastal town, and the city incorporated on 27 February 1928. What complicates a sale here now is not the architecture. It is that two public processes sit between a decision and a listing date.

The first is the permit path. Public Resources Code 30600 requires a coastal development permit for development in the coastal zone. Once a Local Coastal Program is certified the city issues that permit itself, except on tidelands, submerged lands and public trust lands, which stay with the Coastal Commission. So far that reads like an ordinary counter process.

Public Resources Code 30603 is where it stops being ordinary. A local permit decision remains appealable to the Coastal Commission where the development is between the sea and the first public road paralleling the sea, within 300 feet of the inland extent of any beach, or within 300 feet of the top of the seaward face of any coastal bluff. The appeal window runs 10 working days from the Notice of Final Action. A bluff top property therefore stays exposed to a Commission appeal even though the city issued the permit, and no local approval closes that door.

San Clemente's Local Coastal Program is also segmented, with one uncertified segment: Marblehead Coastal, an Area of Deferred Certification, where permit authority is not fully delegated. For a seller aged 55 or over with a two year Proposition 19 window to spend, all of this is one practical point. The permit calendar does not belong to you, so any work you intend to complete before listing has to be tested for approval before it is scheduled, not after.

The second process is the rail corridor, and the record is unusually complete. The Surf Line was closed from 15 September to 3 October 2021 after beach erosion and storm damage. Passenger traffic was halted on 29 September 2022 for soil movement, a further landslide brought a renewed closure in April 2023, and service was halted again in June 2023 by the Casa Romantica landslide on the bluff above, resuming on 19 July 2023. On 25 January 2024 a landslide from private property north of the San Clemente Pier damaged the Mariposa Pedestrian Bridge, with limited service returning on 6 March 2024 and full service on 25 March 2024.

Work to date includes riprap between the beach and the tracks, steel anchors into bedrock, and a 250 foot barrier wall twelve feet high on piles set 32 feet deep, built under an emergency declaration. The current OCTA programme covers four emergency areas by milepost. Areas 1 and 2 are complete, Area 3 is under construction with trail restoration, and Area 4 is underway, with roughly 95 percent sand and 5 percent rock and about 540,000 cubic yards of sand between North Beach and Mariposa Point. The stated programme cost is 310.5 million dollars, and passenger rail service through San Clemente was halted as of 25 April 2025 for emergency reinforcement work.

The longer question is open, and a seller is better served knowing that than discovering it in an inspection period. The Orange County Coastal Rail Resiliency Study covers the LOSSAN corridor from San Clemente to Fullerton, over 40 miles, with a vulnerability assessment completed in winter 2024 and a final report due to the OCTA Board in fall 2026. A separate initiative studies relocating the line inland between San Juan Capistrano and San Onofre State Beach. The stated design goal is protecting the railroad for up to 30 years. This is material, it is ongoing, and it is documented well enough to be disclosed accurately rather than described vaguely.

The process

Working a San Clemente Sale Around Two Calendars You Do Not Control


Nine steps in an order that keeps the tax clocks intact while the coastal questions are answered. The permit question comes before the listing date here, not after it.

01

Settle eligibility, and count the claims already spent

Revenue and Taxation Code 69.6 governs sales on or after 1 April 2021 and allows up to three base year value transfers to a claimant who is at least 55 on the date of sale, or who is severely and permanently disabled at any age. Only one spouse needs to be 55, provided that spouse holds title to both the original property and the replacement.

02

Reduce the capital gain question to one number

Section 121 excludes 250,000 dollars for a single filer and 500,000 dollars on a joint return, and neither figure has been indexed since 1997. Both require ownership and use as a principal residence for periods totalling 24 months inside the five years ending on the sale. On a coastal house held for forty years, the gain routinely runs several times the exclusion.

03

Fix the order of the two closings against the permit calendar

The two year window runs in both directions, so either order qualifies, but the factor applied to the original property does not: 100 percent if the replacement is bought first, 105 percent inside the first year after the sale, 110 percent in the second. Where a coastal permit sits between the decision and the listing, the sequence has to be chosen with that delay counted in.

04

Empty the house on a schedule somebody actually owns

Name the person responsible, then set dates for what moves, what goes to family, what is sold and what is discarded. Treat it as a search first: the improvement receipts that reduce the taxable gain are in the same cupboards as everything being thrown away, and once they are gone the basis cannot be reconstructed from memory.

05

Separate repairs that need a permit from repairs that do not

In the coastal zone the question is not only what a repair costs but what approval it needs. Establish with the city whether the intended work requires a coastal development permit before scheduling any of it, because a modest improvement inside the appeal area can carry a longer timeline than a larger one outside it.

06

Build the disclosure file, corridor included

The Natural Hazard Disclosure Statement under Civil Code 1103.2, water conserving fixtures under Civil Code 1101.4 for anything built before 1994, smoke alarms under Health and Safety Code 13113.8, and carbon monoxide devices under Health and Safety Code 17926. Then the rail corridor, which is publicly documented, ongoing and adjacent to a significant part of this city, so it belongs in the file rather than in a conversation.

07

Market it to a buyer who has been told all of it

Broad exposure produces a choice of offers rather than one, and a coastal buyer here will research the corridor and the permit position whatever the seller does. Give them the record at the start. Confirm the school attendance area by address with Capistrano Unified before it goes into any marketing, and do not let a beach description imply an access that is not there.

08

Close, and claim the state withholding exemption on the original

FTB Publication 1016 sets the default state withholding at 3 and one third percent of the sales price, with an exemption for a principal residence qualifying under section 121 and one where the total sales price is 100,000 dollars or less, both claimed on Forms 593 and 593-V. The exemption is claimed rather than automatic, and it is claimed in the escrow on the original property.

09

File BOE-19-B inside three years, in the right county

The claim is filed with the assessor of the county where the replacement property is located, within three years of the purchase or of completion of new construction. File after that and relief begins with the calendar year of filing, with no refund for the years lost. BOE-19-D covers the severely and permanently disabled and BOE-19-V disaster victims, who face no three use cap.

Where we work

The Districts, the Lines on the Map and the Work Along the Beach


What matters to a seller here is less the name of a neighbourhood than which side of a mapped line the parcel sits on, and how close the address is to work that is still under way.

Southwest San Clemente

One of the districts named in the city's own record, and one of the areas closest to the corridor work along the beach. Access, construction and the permit position all belong in the conversation before a listing date is chosen.

North Beach

A named district and the northern end of the sand nourishment programme, with roughly 540,000 cubic yards of sand placed between here and Mariposa Point. A seller nearby should describe the works from the published programme rather than from what is visible on the day.

The Lasuen boot district

The Lasuen boot district around Lost Winds beach, named in the city record. Proximity to the beach raises the appeal question under PRC 30603 rather than answering it, so the mapped distances have to be checked for the parcel itself.

The Southwest Riviera neighbourhood

A named neighbourhood in the city record. In this part of the city the useful pre listing work is establishing whether the parcel sits within the appeal area and what any intended work would require by way of approval.

Marblehead Coastal

The one uncertified segment of the city's Local Coastal Program, an Area of Deferred Certification where permit authority is not fully delegated. That is a genuine timeline item and should be identified before a schedule is built, not after.

The bluff top line

PRC 30603 keeps a local permit decision appealable within 300 feet of the top of the seaward face of any coastal bluff. It is a measured distance from a mapped feature, not an impression formed from the garden.

The first public road paralleling the sea

Development between the sea and that road stays appealable to the Coastal Commission. Which road qualifies for a given address is established from the mapping, and it is the sort of question best asked long before a buyer asks it.

The 1925 plan and the 1928 city

Ole Hanson bought the land in 1925 and San Clemente incorporated on 27 February 1928. A house here can be older than most of Orange County's cities, which shapes both the permit history and what an inspection is likely to raise.

The architectural review board

Hanson required building plans to go before a review board to enforce red tile roofs and white exteriors. That consistency did not hold, and the oldest neighbourhoods are now eclectic, so no assumption about a house should be drawn from the founding style.

The two rail stations

Amtrak Pacific Surfliner and Metrolink serve two stations in the city. For a household reorganising around fewer car journeys that is a real amenity, and its current status is part of what has to be described accurately.

Casa Romantica

The bluff above the tracks where a landslide in June 2023 halted service until 19 July 2023. It is one entry in a documented sequence of closures that a buyer researching this city will find without help.

The Mariposa Pedestrian Bridge

Damaged on 25 January 2024 by a landslide from private property north of the San Clemente Pier, with limited service resuming on 6 March 2024 and full service on 25 March 2024. Beach and trail access are part of the picture.

Capistrano Unified

Serves San Clemente, with Bernice Ayer and Shorecliffs as the district middle schools in the city and San Clemente High School as the high school. Confirm the attendance area by address with the district before it appears in marketing.

What sits in the way

Six San Clemente Questions That Have to Be Answered Before a Listing Date

San Clemente, California

None of these are about demand. Each one is a mapped line, a public process or a document, and each of them can move a closing date that the two year window depends on.

The pre sale work was scheduled before anyone checked what it needed

Public Resources Code 30600 requires a coastal development permit for development in the coastal zone. A homeowner who has lived here for decades and has previously done work without difficulty can reasonably assume the next job is the same, and be wrong, because the answer turns on where the parcel sits and on what the work involves.

Establish the requirement with the city before booking anybody. The cost of asking is a phone call. The cost of not asking is a schedule built around a contractor's availability rather than around an approval that has its own timetable.

The 300 foot lines were judged by eye

PRC 30603 keeps a local decision appealable to the Coastal Commission where development is between the sea and the first public road paralleling the sea, within 300 feet of the inland extent of any beach, or within 300 feet of the top of the seaward face of any coastal bluff. The appeal window is 10 working days from the Notice of Final Action.

Those are measured distances from mapped features and they are not obvious from a garden or a street. A property owner who assumes they are outside the appeal area, and is not, has a permit that is not final when they thought it was, and a sale calendar built on a date that can still move.

The parcel is inside the Area of Deferred Certification

San Clemente's Local Coastal Program is segmented and one segment, Marblehead Coastal, is uncertified, an Area of Deferred Certification in which coastal development permit authority is not fully delegated to the city.

The consequence is procedural rather than dramatic: the route to an approval is different and the timeline is different. Identify it at the start so the sequence of the two closings is chosen with that knowledge, because a Proposition 19 window spent waiting is a window spent.

The corridor was treated as background rather than as disclosure

The closure sequence on the Surf Line is public and repeated: September 2021 after erosion and storm damage, September 2022 for soil movement, April 2023 for a further landslide, June 2023 for the Casa Romantica landslide with service back on 19 July 2023, and January 2024 for a landslide that damaged the Mariposa Pedestrian Bridge. Passenger service through the city was halted as of 25 April 2025 for emergency reinforcement work.

A buyer will find that record. A seller who has it assembled, with the current OCTA programme and its four emergency areas, is answering questions from documents. A seller who waves it away is inviting a renegotiation at the point in the escrow where there is the least room to absorb one.

The two year window was budgeted as though the calendar belonged to the seller

Proposition 19 measures two years between the sale of the original and the purchase or completion of the replacement. That is a generous allowance for a normal transaction and a tight one where a permit path, an appeal window and a construction programme all have to be accommodated in the same period.

Count the public processes into the plan at the beginning. If an approval is needed, it goes in the schedule before the listing preparation does, and if the schedule cannot hold both, the honest answer is to change the order of the closings rather than to hope.

The one question nobody can answer is where the railway ends up

This is the honest difficulty on this page. The Orange County Coastal Rail Resiliency Study covers over 40 miles of the LOSSAN corridor from San Clemente to Fullerton, with a vulnerability assessment completed in winter 2024 and a final report to the OCTA Board due in fall 2026, and a separate initiative is studying relocating the line inland between San Juan Capistrano and San Onofre State Beach. The stated design goal is protection for up to 30 years.

Nobody selling a house here can tell a buyer what the permanent alignment will be, and nobody should try. What a seller can do is present the documented history, the current programme and the published timetable, and let a buyer price an open question with accurate information rather than guess at it with poor information.

The decision

Which Closing Leads When Part of the Calendar Is Public


Both orders preserve the base year value, because the two year window runs in either direction. In a city where an approval or an appeal window can move a date, the choice is partly about who controls the timing.

Sell first, then buy

The statute rewards this order. Sell the San Clemente house and buy the replacement inside the first year and the original's full cash value is computed at 105 percent, or 110 percent in the second year. Where the replacement costs more than the house sold, that cushion is the difference between adding to the transferred value and carrying it across intact.

The formula is the part worth memorising. If the replacement's full cash value is equal to or less than the adjusted full cash value of the original, the factored base year value transfers whole. If it is greater, the new taxable value is the factored base year value of the original plus the difference. The Board of Equalization's worked example: an original with a full cash value of 400,000 dollars and a factored base year value of 100,000 dollars, sold, with a replacement bought in the first year after for 600,000 dollars. The adjusted figure is 420,000 dollars, the excess is 180,000 dollars, and the replacement is assessed at 280,000 dollars rather than 600,000.

It is also the order that keeps the finances simple. Proceeds in hand, no bridge borrowing, no second loan payment and no period of carrying two properties, which matters on a fixed income. Where Medi-Cal is in the picture the sequencing question changes entirely and belongs with an elder law attorney before anything is listed.

The honest downside is exposure to the interval. Selling first with no replacement identified means a rental or a spare room, and here it can also mean selling into a period when a coastal approval on the buying side has not yet run its course. Two moves rather than one is real physical work out of a long held house, and it is harder at 80 than at 60.

Buy first, then sell

This qualifies. The Board of Equalization is explicit that as long as one transaction occurs on or after 1 April 2021 and the original is sold within two years of the purchase of the replacement, the base year value transfers. Where the replacement needs work, or sits behind an approval of its own, securing it first can be the only way to control the sequence at all.

The price is the cushion and the interim tax. The factor drops to 100 percent, so on a 1,000,000 dollar original the gap between 100 and 105 percent is 50,000 dollars of assessed value carried for as long as the replacement is owned, roughly 500 to 600 dollars a year at a typical Orange County rate. And the replacement is taxed at its full fair market value from the date of purchase until the original sells, with no refund for that stretch.

The arithmetic, worked: an original with a full cash value of 1,200,000 dollars and a factored base year value of 180,000 dollars, with a replacement bought before the sale for 1,400,000 dollars. The factor is 100 percent, so the adjusted full cash value of the original remains 1,200,000 dollars. The excess is 200,000 dollars, and the new taxable value is 380,000 dollars in place of 1,400,000.

The honest downside is that the original must actually sell, and be reassessed to market, within two years of the purchase, or the relief is gone rather than reduced. That is a heavier risk in a market where a buyer is weighing an open question about a rail corridor, which is one more reason to have the corridor file assembled before the first showing rather than after the first hesitation.

Why this office

Two Public Processes Run Beside This Sale, and Neither Answers to the Escrow


Paula Aragone has worked Orange County transactions for 23 years, across 900+ transactions and $900M+ sold, and she came to it after four years of law school. She holds the CPRES and SRES designations. On a downsizing file the SRES designation, Seniors Real Estate Specialist, is the relevant one: it is the National Association of Realtors credential for agents working with clients aged 50 and over, and it exists because this transaction is not the same as any other listing.

The San Clemente version of the work has an extra dimension. Beyond the tax arithmetic there is a permit path with an appeal route the city cannot foreclose, a segment of the Local Coastal Program that is not certified, and a rail corridor with a documented history of closures and an unresolved long term alignment. None of those are reasons not to sell. They are reasons to have the record assembled before a listing date is chosen, because each of them can move a date the Proposition 19 window depends on.

The reader here is frequently not the owner. Adult children arrive with a timetable and the owner arrives with forty years of context the timetable does not contain. Both are right about different things. The work is to put the real constraints in front of both, the appeal lines, the corridor programme, the section 121 figure and the physical cost of emptying the house, and let the family make the decision rather than making it for them and calling it advice.

Nothing on this page is tax or legal advice. Confirm the Proposition 19 figures with the Orange County Assessor, the section 121 position with a CPA, the permit and appeal position with the City of San Clemente and the California Coastal Commission, and anything touching Medi-Cal eligibility with a California elder law attorney, because eligibility, transfer penalties, the look back period and share of cost are legal work and not an agent's to give.

Questions

Selling a Long Held San Clemente Home After 55, Answered


The questions owners over 55 ask in this city, and the ones their children ask for them, answered for California law and for a coastline that is still under construction.

Do we need a coastal development permit just to do work before selling?

It depends on where the parcel is and what the work involves, and it is a question for the city rather than for an agent. Public Resources Code 30600 requires a coastal development permit for development in the coastal zone, and once a Local Coastal Program is certified the city issues that permit itself, except on tidelands, submerged lands and public trust lands. Ask before scheduling any contractor, because an approval has its own timetable and a two year Proposition 19 window has to accommodate it.

Our house is on the bluff. Why can the Coastal Commission still hear an appeal?

Because certification of a Local Coastal Program does not remove the appeal route. Public Resources Code 30603 keeps a local permit decision appealable where development is between the sea and the first public road paralleling the sea, within 300 feet of the inland extent of any beach, or within 300 feet of the top of the seaward face of any coastal bluff. The window is 10 working days from the Notice of Final Action. Those are measured distances from mapped features, so have them checked for the parcel.

We are in Marblehead Coastal. Does that change the route?

Yes, procedurally. San Clemente's Local Coastal Program is segmented, and Marblehead Coastal is an uncertified segment, an Area of Deferred Certification, where coastal development permit authority is not fully delegated to the city. That is a real timeline item rather than an obstacle in principle. Identify it before building any schedule, because the order in which the sale and the purchase are done should be chosen with the approval route already known.

What has to be disclosed about the railway?

The documented record, accurately. The Surf Line closed from 15 September to 3 October 2021 after erosion and storm damage, halted for soil movement on 29 September 2022, closed again in April 2023, halted in June 2023 by the Casa Romantica landslide with service resuming on 19 July 2023, and in January 2024 a landslide north of the San Clemente Pier damaged the Mariposa Pedestrian Bridge, with full service back on 25 March 2024. It is public, recurring and adjacent to a significant part of the city, so it belongs in the file.

What is happening on the corridor now, and is the line coming back?

Passenger rail service through San Clemente was halted as of 25 April 2025 for emergency reinforcement work. The current OCTA programme covers four emergency areas by milepost: Areas 1 and 2 complete, Area 3 under construction with trail restoration, Area 4 underway, using roughly 95 percent sand and 5 percent rock with about 540,000 cubic yards of sand between North Beach and Mariposa Point, at a stated programme cost of 310.5 million dollars. The long term alignment is a separate study and is not settled.

How many times can the property tax base be transferred?

Up to three. Proposition 19, effective for sales on or after 1 April 2021 and implemented by Revenue and Taxation Code 69.6, allows a claimant who is at least 55 at the time of sale, or who is severely and permanently disabled, to transfer the factored base year value up to three times. Propositions 60 and 90, at Revenue and Taxation Code 69.5, allowed one claim only, for you and for a spouse residing with you. Victims of a wildfire or a governor declared disaster are not subject to the three use cap.

Can the assessment move to a different county?

Yes, to any county in California. Proposition 60 worked only inside the same county, and Proposition 90 only into a county that had adopted an authorising ordinance, of which there were ten as of November 2018. Proposition 19 removed the geography problem entirely, so reciprocity lists no longer matter. The one thing that changes with an out of county move is where the claim goes: BOE-19-B is filed with the assessor of the county where the replacement sits.

The replacement is more expensive than this house. Is the claim lost?

No. Under the old law, exceeding the equal or lesser value threshold disqualified the claim outright. Proposition 19 kept the same 100, 105 and 110 percent factors and changed only what happens when they are exceeded: the excess is added to the transferred value. The new taxable value becomes the factored base year value of the original plus the difference between the replacement's full cash value and the adjusted full cash value of the original. Anyone saying the value test was abolished is producing wrong numbers.

Can we see the calculation done properly?

The Board of Equalization's own example. An original with a full cash value of 400,000 dollars and a factored base year value of 100,000 dollars is sold, and a replacement is purchased in the first year afterwards for 600,000 dollars. The adjusted full cash value of the original is 400,000 multiplied by 105 percent, or 420,000 dollars. The difference between 600,000 and 420,000 is 180,000 dollars, added to the 100,000 dollar base year value, so the replacement carries a taxable value of 280,000 dollars.

What is the cost of buying the next house first?

Two costs. The factor drops to 100 percent, removing the 105 or 110 percent cushion, which raises the transferred taxable value wherever the replacement is the dearer of the two. On a 1,000,000 dollar original that difference alone is 50,000 dollars of assessed value carried for the life of the ownership, roughly 500 to 600 dollars a year at a typical Orange County rate. And the replacement is taxed at full fair market value between the purchase and the sale of the original, with no refund for that period.

Will the exclusion cover a house we have owned since the 1970s?

Usually not, and the number should be produced before a listing date is chosen. Section 121 excludes 250,000 dollars single and 500,000 dollars on a joint return, unchanged since 1997, and requires ownership and use as a principal residence for periods totalling 24 months within the five years ending on the sale, with no other section 121 exclusion in the prior two years. Everything above the exclusion is taxable federally, taxable in California at ordinary income rates, and may attract the 3.8 percent Net Investment Income Tax.

Which of the money we have spent over the years counts?

Capital improvements add to basis: room additions, a new roof and HVAC systems are the standard examples. Ordinary repairs and maintenance never do, including painting inside or out, fixing leaks and filling holes or cracks. Purchase costs such as legal fees and transfer taxes add to basis, selling costs reduce the amount realised, and improvements later removed or replaced have their remaining basis backed out. It is a documentary exercise, so find the receipts before the house is cleared rather than after.

My husband died last year. Where does that leave the exclusion?

In a position with two clocks on it. Under IRC 121(b)(4) a surviving spouse may use the full 500,000 dollar limit only if the sale occurs no later than two years after the date of death, the section 121(b)(2)(A) requirements were met immediately before the death, and the survivor has not remarried by the date of sale. Separately, under IRC 1014(b)(6), community property in California takes a new basis on both halves at the date of death value, which often removes the gain problem. The date of death appraisal protects that position.

We are looking at a 55 and over community. What do the rules actually say?

Under 24 CFR 100.305 a community relying on the housing for older persons exemption must have at least 80 percent of its occupied units occupied by at least one person aged 55 or older, and under 24 CFR 100.307 it must verify occupant ages at least once every two years through reliable documentation. That is a community level threshold and says nothing about any particular unit. How a younger spouse, an adult child or a live in carer is treated is set out in the community's own governing documents, which should be read before an offer.

Is there a way to hold the property tax while we decide?

There is a postponement programme, and it is a loan rather than an exemption. The State Controller's Property Tax Postponement programme requires the claimant to be at least 62, or blind, or disabled, to own and occupy the home as a principal residence, to hold at least 40 percent equity, to have no reverse mortgage, and to have total household income at or below 55,181 dollars as defined in Revenue and Taxation Code 20503. Interest runs at 5 percent a year, a lien is recorded, only current year taxes qualify, and applications run 1 October to 10 February. Confirm the current figure with the State Controller's Office.

My mother is on Medi-Cal and owns her home here. What does a sale do?

It converts an exempt asset into a countable one. One occupied home is exempt; cash is not. From 1 January 2026 the reinstated asset limits are 130,000 dollars for one person and 195,000 dollars for two, applied at the first renewal in 2026. Proceeds from the sale of an exempt home are exempt for six months from receipt where they go to another principal residence, moving costs, furnishings or repairs. A sale with no replacement identified is the situation that ends eligibility, so this belongs with a California elder law attorney before anything is listed.

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If you are 55 or over and leaving a San Clemente home you have owned for decades, the first meeting is about the permit position, the corridor record and the order of the two closings. Call or text, and bring whoever is helping you decide.

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