1109 Harmony Ln, Clermont, FL 34711 Property Records

Lake County property record for 1109 Harmony Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,880 sqft · built 2012
Lot Size	0.237 acres (10,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$597,998 (Jan 2024)
Tax Bill	$7,151 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-26-0550-000-16000`

Property Details

APN / Parcel Number

Primary APN	`08-23-26-0550-000-16000`
Alternative APNs	`262308055000016000` `3845770`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,880 sqft Living Area
Gross Area	3,440 sqft
1st Floor Area	2,880 sqft

Exterior

Year Built	Built 2012
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	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	429 sqft
Porch	Finished/Open Porch
Porch Area	246 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3845770
Street Address	1109 HARMONY LN
City	CLERMONT
State	FL
Zip	34711-9021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	NOTTINGHAM AT LEGENDS PB 57 PG 5-9 LOT 160 ORB 6267 PG 690
Legal Range	26E
Legal Township	23S
Legal Section	8
Legal Subdivision	NOTTINGHAM AT LEGENDS
Legal Tract	A-L
Legal Block	2
Legal Lot Number	160
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2016
Census Tract	31316

Owner

Source: Lake County records, as of October 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1109 HARMONY LN, CLERMONT, FL 34711-9021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 8, 2024	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Mar 6, 2018	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2024 · Amount on Record
Deed Sale	Jan 8, 2024 · Amount on Record
Prior Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	20242322
Deed Book / Page	6267 / 690
Prior Transfer Date	Aug 29, 2014
Prior Transfer Doc	0045240117
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1109 HARMONY LN, CLERMONT, FL 34711-9021
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HARMONY LN, CLERMONT, FL 34711-9021

Mortgage

Document Number	0066300808
Date	Nov 12, 2025
Book Page	6630/808
Instrument	2025139008

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 8, 2024
Property Address	1109 HARMONY LN, CLERMONT, FL 34711-9021
Document Number	0062670690
Book / Page	6267 / 690
Map Reference	MB 57 PG 5
Instrument Date	Dec 29, 2023
Instrument	2024002322
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	EMERALD TITLE AND ESCROW INC, FEDERAL TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,186.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1121 SE 17TH ST, CAPE CORAL, FL 33990-5508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HARMONY LN, CLERMONT, FL 34711-9021

Mortgage

Document Number	0006267692
Date	Jan 8, 2024
Instrument	6267/692

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 22, 2022
Property Address	1109 HARMONY LN, CLERMONT, FL 34711-9021
Document Number	0059010589
Book / Page	5901 / 589
Map Reference	MB 57 PG 5
Instrument Date	Feb 14, 2022
Instrument	2022024607
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	CENTURION TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	806 JOHNS POINT DR, OAKLAND, FL 34787-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HARMONY LN, CLERMONT, FL 34711-9021

Mortgage

Document Number	0005901590
Date	Feb 22, 2022
Instrument	5901/590

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 6, 2018
Property Address	1109 HARMONY LN, CLERMONT, FL 34711-9021
Document Number	0050751628
Book / Page	005075 / 001628
Instrument Date	Feb 28, 2018
Instrument	25569
Transaction Type	Transfer
Record Updated	Mar 16, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,432.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1109 HARMONY LN CLERMONT FL 347119021, CLERMONT, FL 34711-9021

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$488,373 (-0.06%) Land $92,750 Building $395,623	$488,373 (-0.06%) Land $92,750 Building $395,623
2025		$488,677 (+7.71%) Land $92,750 Building $395,927	$488,677 (+7.71%) Land $92,750 Building $395,927
2023	$7,151.00 (+16.79%) Homeowner's exemption	$453,685 (+14.05%)	$453,685 (+14.05%) Land $92,750 Building $360,935
2022	$6,123.00	$397,800	$397,800 Land $75,250 Building $322,550

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: AT&T, CenturyLink, Verizon.

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