11220 Harder Rd, Clermont, FL 34711 Property Records

Lake County property record for 11220 Harder Rd, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,631 sqft · built 1976
Lot Size	0.788 acres (34,309 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (May 2023)
Tax Bill	$5,729 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-25-0400-000-00100`

Property Details

APN / Parcel Number

Primary APN	`01-23-25-0400-000-00100`
Alternative APNs	`252301040000000100` `1453682`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,631 sqft Living Area
1st Floor Area	2,247 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Asphalt
Lot Area	34,309 sqft (0.788 acres)
Lot Dimensions	268 ft deep x 116 ft wide
View / Lot	Canal
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Florida Room
Porch Area	952 sqft
Deck Area	Deck Area
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1453682
Street Address	11220 HARDER RD
City	CLERMONT
State	FL
Zip	34711-9489
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE MINNEHAHA SHORES UNIT NO 2 LOT 1 PB 20 PG 53 SHOREWOOD PARK THAT PART OF LOT 1A DESCRIBED AS FROM SELY COR OF SAID TRACT 1A RUN NWLY ALONG SLY LINE OF LOT 1A 119.82 FT FOR POB RUN WLY ALONG HARDER RD 89.73 FT N 74-39-8 E 114.33 FT S 22-59-0 W 71
Legal Range	25E
Legal Township	23S
Legal Section	1
Legal Subdivision	LAKE MINNEHAHA SHORES UNIT
Legal Tract	0400
Legal Block	1
Legal Lot Number	1
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1001
Census Tract	31323

Owner

11220 Harder Rd is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	11220 HARDER RD, CLERMONT, FL 34711-9489
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on File
Deed Sale	May 26, 2023 · Amount on File
Prior Sale	Mar 5, 2007 · Amount on File
Deed Document Number	202362984
Deed Book / Page	6149 / 1712
Prior Transfer Date	Feb 27, 2007
Prior Transfer Doc	0033811495
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 26, 2023
Property Address	11220 HARDER RD, CLERMONT, FL 34711-9489
Document Number	0061491712
Book / Page	6149 / 1712
Map Reference	MB 20 PG 53
Instrument Date	May 22, 2023
Instrument	2023062984
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	BROKERS TITLE OF CTRL FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 CAP FRY RD, DEMOREST, GA 30535-5920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11220 HARDER RD, CLERMONT, FL 34711-9489

Mortgage

Document Number	0061491714
Date	May 26, 2023
Book Page	6149/1714
Instrument	2023062985

Lender

Name	SHELTER HOME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$440,390 (+2.9%)	$519,872 (-) Land $205,240 Building $314,632
2025		$427,980 Land $205,240 Building $222,740	$519,872 Land $205,240 Building $314,632
2024	$5,729.00 (+74.08%)
2023	$3,291.00 (+7.62%) Homeowner's exemption	$243,240 (+3%)	$409,922 (+49.3%) Land $205,240 Building $204,682
2022	$3,058.00 Homeowner's exemption	$236,160	$274,571 Land $71,132 Building $203,439

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11220 Harder Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
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

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 11220 Harder Rd is low, with a 0.04% annual chance of wildfire.

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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