11545 Valley Rd, Clermont, FL 34715 Property Records

Lake County property record for 11545 Valley Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,122 sqft · built 1987
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Oct 2017)
Tax Bill	$5,004 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-21-25-0004-000-06800`

Property Details

APN / Parcel Number

Primary APN	`13-21-25-0004-000-06800`
Alternative APN	`1210364`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,122 sqft Living Area
1st Floor Area	4,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	32,256 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	345 sqft
Utility Building	5,760 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1210364
Street Address	11545 VALLEY RD
City	CLERMONT
State	FL
Zip	34715-9499
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 330 FT OF NW 1/4 OF SW 1/4 OF SE 1/4 ORB 5007 PG 2298
Legal Range	25E
Legal Township	21S
Legal Section	13
Legal Subdivision	ACREAGE
Legal Tract	4
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3026
Census Tract	31301

Owner

11545 Valley Rd is owned and occupied by an individual who bought it in October 2017.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	11545 VALLEY RD, CLERMONT, FL 34715-9499
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
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Oct 4, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2017 · Amount on File
Deed Sale	Oct 4, 2017 · Amount on File
Deed Document Number	2017105297
Deed Book / Page	5007 / 2298
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	11545 VALLEY RD, CLERMONT, FL 34715-9499
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054920859
Date	Jun 24, 2020
Book Page	5492/859
Instrument	2020067689

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 4, 2017
Property Address	11545 VALLEY RD, CLERMONT, FL 34715-9499
Document Number	0050072298
Book / Page	5007 / 2298
Instrument Date	Sep 14, 2017
Instrument	2017105297
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	EQUITABLE TIOC OF MID FLORID

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11545 VALLEY RD, CLERMONT, FL 34715-9499

Mortgage

Document Number	2017105298
Date	Oct 4, 2017
Instrument	2017105298

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$377,060 Land $341,000 Building $36,060	$616,888 Land $341,000 Building $275,888
2024	$5,004.00 (+6.17%)
2023	$4,713.00 (+17.5%) Homeowner's exemption	$350,330 (+13.92%)	$603,693 (+45.37%) Land $341,000 Building $262,693
2022	$4,011.00 Homeowner's exemption	$307,510	$415,282 Land $186,000 Building $229,282

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

Flood

FEMA maps place 11545 Valley Rd in Zone X, an area of minimal flood risk.

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 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 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 11545 Valley Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.3% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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