109 E Baker St, Minneola (Clermont), FL 34715 Property Records

Lake County property record for 109 E Baker St, Minneola, FL 34715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1995
Lot Size	0.231 acres (10,101 sqft)
Owner	Individual Name on Record
Last Sale	$348,000 (Jul 2022)
Tax Bill	$3,574 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-22-26-0820-000-01100`

Property Details

APN / Parcel Number

Primary APN	`18-22-26-0820-000-01100`
Alternative APN	`3609671`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,101 sqft (0.231 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	148 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3609671
Street Address	109 E BAKER ST
City	MINNEOLA
State	FL
Zip	34715-7414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MINNEOLA PARKSIDE SUB LOT 11 PB 35 PGS 18-19 ORB 5987 PG 245
Legal Range	26E
Legal Township	22S
Legal Section	18
Legal Subdivision	MINNEOLA
Legal Tract	820
Legal Lot Number	11
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1026
Census Tract	31309

Owner

Source: Lake County records, as of December 15, 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
Mailing Address	109 E BAKER ST, MINNEOLA, FL 34715-7414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jun 2, 2021	Warranty Deed, Transfer · USDA Mortgage SUCCESS MORTGAGE PARTNERS INC
Oct 5, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jun 2, 2021 · Amount on Record
Deed Document Number	2022092505
Deed Book / Page	5987 / 245
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 6, 2022
Property Address	109 E BAKER ST, MINNEOLA, FL 34715-7414
Document Number	0059870245
Book / Page	5987 / 245
Map Reference	MB 35 PG 18&19
Instrument Date	Jul 5, 2022
Instrument	2022092505
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9818 WATER FERN CIR, CLERMONT, FL 34711-6626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E BAKER ST, MINNEOLA, FL 34715-7414

Mortgage

Document Number	0005987246
Date	Jul 6, 2022
Instrument	5987/246

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	5-Year CMT
Margin	2
Max Rate	10.6%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 2, 2021
Property Address	109 E BAKER ST, MINNEOLA, FL 34715-7414
Document Number	0057202178
Book / Page	5720 / 2178
Map Reference	MB 35 PG 18&19
Instrument Date	May 24, 2021
Instrument	2021075531
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11140 POINT NELLIE DR, CLERMONT, FL 34711-8632

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 E BAKER ST, MINNEOLA, FL 34715-7414

Mortgage

Document Number	0057202179
Date	Jun 2, 2021
Instrument	5720/2179

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 5, 2017
Property Address	109 E BAKER ST, MINNEOLA, FL 34715-7414
Document Number	0050090041
Book / Page	5009 / 0041
Map Reference	MB 35 PG 18&19
Instrument Date	Sep 26, 2017
Instrument	2017106126
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	METES AND BOUNDS TITLE COMPA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16001 BLOSSOM HILL LOOP, 16001, CLERMONT, FL 34714-4987

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E BAKER ST, MINNEOLA, FL 34715-7414

Mortgage

Document Number	2017106127
Date	Oct 5, 2017
Instrument	2017106127

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Minneola City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$253,045 (+42.14%) Land $83,250 Building $169,795	$253,045 (+42.14%) Land $83,250 Building $169,795
2024	$3,574.00 (+9.7%)
2023	$3,258.00 (+28.37%)	$178,028 (-)	$178,028 (-) Land $36,750 Building $141,278
2022	$2,538.00 Homeowner's exemption	$178,028	$178,028 Land $36,750 Building $141,278

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	8 (1995–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MINNEOLA WATER DEPARTMENT (2 WPS) serves 20,605 people · EPA ID FL3350836
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Hotwire Communications.

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