Lake County property record for 1098 Harmony Ln, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,588 sqft · built 2010 |
| Lot Size | 0.237 acres (10,306 sqft) |
| Owner | Individual Name on File |
| Last Sale | $389,000 (Jun 2021) |
| Tax Bill | $6,270 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-23-26-0550-000-14800 |
| Primary APN | 08-23-26-0550-000-14800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,588 sqft Living Area |
| Gross Area | 3,281 sqft |
| 1st Floor Area | 2,418 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 10,306 sqft (0.237 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3845758 |
|---|---|
| Street Address | 1098 HARMONY LN |
| City | CLERMONT |
| State | FL |
| Zip | 34711-9019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | NOTTINGHAM AT LEGENDS PB 57 PG 5-9 LOT 148 ORB 5734 PG 1550 |
| Legal Range | 26E |
| Legal Township | 23S |
| Legal Section | 8 |
| Legal Subdivision | NOTTINGHAM AT LEGENDS |
| Legal Tract | A-L |
| Legal Block | 2 |
| Legal Lot Number | 148 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 31316 |
1098 Harmony Ln is owned and occupied by an individual who bought it in June 2021.
Source: Lake County records, as of May 27, 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 File |
|---|---|
| Mailing Address | 1098 HARMONY LN, CLERMONT, FL 34711-9019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jun 21, 2021 | Warranty Deed, Transfer METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on File |
| Deed Sale | Jun 21, 2021 · Amount on File |
| Prior Sale | Mar 4, 2015 · Amount on File |
| Deed Document Number | 202185090 |
| Deed Book / Page | 5734 / 1550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 1098 HARMONY LN, CLERMONT, FL 34711-9019 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1098 HARMONY LN, CLERMONT, FL 34711-9019 |
| Document Number | 0060680348 |
|---|---|
| Date | Dec 19, 2022 |
| Book Page | 6068/348 |
| Instrument | 2022161673 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 21, 2021 |
| Property Address | 1098 HARMONY LN, CLERMONT, FL 34711-9019 |
| Document Number | 0057341550 |
| Book / Page | 5734 / 1550 |
| Map Reference | MB 57 PG 5 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 2021085090 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $2,723.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4211 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| Name | Verified Name |
|---|---|
| Address | 1098 HARMONY LN, CLERMONT, FL 34711-9019 |
The 2025 property tax bill for 1098 Harmony Ln was $6,270 with a homeowner's exemption, down 7.5% from the year before.
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Clermont City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $417,335 (-) Land $92,750 Building $324,585 | $417,335 (-) Land $92,750 Building $324,585 | |
| 2025 | $6,270.00 (-7.51%) Homeowner's exemption | $417,335 Land $92,750 Building $324,585 | $417,335 Land $92,750 Building $324,585 |
| 2024 | $6,779.00 (+11.28%) | ||
| 2023 | $6,092.00 (+4.8%) | $351,530 (+5.24%) | $351,530 (+5.24%) Land $92,750 Building $258,780 |
| 2022 | $5,813.00 | $334,030 | $334,030 Land $75,250 Building $258,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1098 Harmony Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 File median of 23 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 1098 Harmony Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE UTILITY SERVICES INC NORTH (8 WPS) public/private · serves 24,798 people · EPA ID FL3354883 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2021 Haloacetic acids resolved · Oct 2021 |
|---|---|
| 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 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| CenturyLink Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Summit Broadband, T-Mobile.
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