Lake County property record for 11209 Harder Rd, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,812 sqft · built 2002 |
| Lot Size | 0.516 acres (22,471 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Apr 2010) |
| Tax Bill | $5,882 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-23-25-0300-000-00200 |
| Primary APN | 01-23-25-0300-000-00200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,812 sqft Living Area |
| Gross Area | 4,418 sqft |
| 1st Floor Area | 3,812 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 22,471 sqft (0.516 acres) |
| Lot Dimensions | 209 ft deep x 100 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 606 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 1,094 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1819351 |
|---|---|
| Street Address | 11209 HARDER RD |
| City | CLERMONT |
| State | FL |
| Zip | 34711-9397 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LAKE MINNEHAHA SHORES LOT 2 PB 20 PG 27 ORB 3897 PG 2026 |
| Legal Range | 25E |
| Legal Township | 23S |
| Legal Section | 1 |
| Legal Subdivision | LAKE MINNEHAHA SHORES |
| Legal Tract | 0300 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 31313 |
Source: Lake County records, as of November 26, 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 | 11209 HARDER RD, CLERMONT, FL 34711-9397 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2010 · Amount on Record |
| Deed Sale | Apr 23, 2010 · Amount on Record |
| Prior Sale | Oct 12, 2005 · Amount on Record |
| Deed Document Number | 201041548 |
| Deed Book / Page | 3897 / 2026 |
| Prior Transfer Date | Nov 15, 2000 |
| Prior Transfer Doc | 1879002225 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 11209 HARDER RD, CLERMONT, FL 34711-9397 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055510314 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 5551/314 |
| Instrument | 2020107293 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 11209 HARDER RD, CLERMONT, FL 34711-9397 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055510589 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 5551/589 |
| Instrument | 2020107343 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2050 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $452,670 (+2.9%) | $809,625 (-) Land $281,135 Building $528,490 | |
| 2025 | $439,920 (+5.98%) Land $281,135 Building $158,785 | $809,625 (+52.72%) Land $281,135 Building $528,490 | |
| 2024 | $5,882.00 (+5.54%) | ||
| 2023 | $5,573.00 (+5.43%) Homeowner's exemption | $415,080 (+3%) | $530,124 (+2.05%) Land $195,545 Building $334,579 |
| 2022 | $5,286.00 Homeowner's exemption | $402,990 | $519,458 Land $184,879 Building $334,579 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 4 (2017–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CenturyLink Fiber · DSL in parts of the area | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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