112 E Sumter St, Minneola (Clermont), FL 34715 Property Records

Lake County property record for 112 E Sumter St, Minneola, FL 34715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1989
Lot Size	0.211 acres (9,199 sqft)
Owner	Individual Name on File
Last Sale	$102,500 (Jan 2004)
Tax Bill	$875 (2024)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-22-26-0830-000-00200`

Property Details

APN / Parcel Number

Primary APN	`18-22-26-0830-000-00200`
Alternative APNs	`262218083000000200` `3460880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,644 sqft
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,199 sqft (0.211 acres)
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3460880
Street Address	112 E SUMTER ST
City	MINNEOLA
State	FL
Zip	34715-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF2
Legal Description	MINNEOLA SUMTER STREET SUB LOT 2 PB 29 PG 22 ORB 2494 PG 262 ORB 4446 PG 2438 ORB 5425 PG 146
Legal Range	26E
Legal Township	22S
Legal Section	18
Legal Subdivision	MINNEOLA SUMTER STREET SUB
Legal Tract	0830
Legal Lot Number	2
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1024
Census Tract	31309

Owner

112 E Sumter St is owned and occupied by an individual who acquired it in January 2020.

Source: Lake County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Feb 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2004 · Amount on File
Deed Sale	Jan 26, 2004 · Amount on File
Prior Sale	Oct 19, 1998 · Amount on File
Deed Book / Page	2494 / 262
Last Transfer Date	Jan 21, 2020
Transfer Doc	0054250146
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050391324
Date	Dec 12, 2017
Book Page	5039/1324
Instrument	2017132500

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515

Mortgage

Document Number	0056072444
Date	Dec 28, 2020
Book Page	5607/2444
Instrument	2020145265

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Feb 20, 2020
Property Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515
Document Number	0054250146
Book / Page	5425 / 0146
Map Reference	MB 29 PG 22
Instrument Date	Jan 21, 2020
Instrument	2020021422
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E SUMTER ST, MINNEOLA, FL 34715-9515

Mortgage

Document Number	0054250148
Date	Feb 20, 2020
Instrument	5425/0148

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$92,440 (+2.89%)	$248,602 (-) Land $83,250 Building $165,352
2025		$89,840 Land $83,250 Building $6,590	$248,602 Land $83,250 Building $165,352
2024	$875.00 (+4.42%)
2023	$838.00 (+4.62%) Homeowner's exemption	$84,770 (+2.99%)	$173,577 (-) Land $36,750 Building $136,827
2022	$801.00 Homeowner's exemption	$82,310	$173,577 Land $36,750 Building $136,827

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

Flood

FEMA maps place 112 E Sumter St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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 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

Wildfire risk around 112 E Sumter St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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