11775 Oswalt Rd, Clermont, FL 34711 Property Records

Lake County property record for 11775 Oswalt Rd, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,667 sqft · built 1993
Lot Size	0.501 acres (21,836 sqft)
Owner	Individual Name on Record
Last Sale	$273,000 (Aug 2018)
Tax Bill	$3,665 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-23-25-0375-000-01600`

Property Details

APN / Parcel Number

Primary APN	`12-23-25-0375-000-01600`
Alternative APN	`3382919`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,667 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	21,836 sqft (0.501 acres)
Lot Dimensions	212 ft deep x 103 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	375 sqft
Porch	Open Porch
Porch Area	25 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3382919
Street Address	11775 OSWALT RD
City	CLERMONT
State	FL
Zip	34711-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER GLEN SUB LOT 16 PB 31 PG 91 ORB 5161 PG 2303
Legal Range	25E
Legal Township	23S
Legal Section	12
Legal Subdivision	SILVER GLEN
Legal Tract	375
Legal Lot Number	16
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3025
Census Tract	31316

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11775 OSWALT RD, CLERMONT, FL 34711-9365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 13, 2017	Deed of Trust, Mortgage · FHA Mortgage UMC MORTGAGE CO
Oct 27, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 29, 2018	Warranty Deed, Transfer · VA Mortgage LONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Prior Sale	Nov 19, 1998
Deed Document Number	2018101487
Deed Book / Page	5161 / 2303
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	11775 OSWALT RD, CLERMONT, FL 34711-9365
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0056141076
Date	Jan 6, 2021
Book Page	5614/1076
Instrument	2021001795

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	11775 OSWALT RD, CLERMONT, FL 34711-9365
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049020180
Date	Feb 13, 2017
Book Page	4902/0180
Instrument	2017016152

Lender

Name	UMC MORTGAGE CO
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	11775 OSWALT RD, CLERMONT, FL 34711-9365
Document Number	0053721146
Instrument Date	Oct 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11775 OSWALT RD CLERMONT FL 347119365, CLERMONT, FL 34711-9365

Mortgage

Document Number	0053721146
Date	Nov 12, 2019
Book Page	005372/001146
Instrument	127877

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 29, 2018
Property Address	11775 OSWALT RD, CLERMONT, FL 34711-9365
Document Number	0051612303
Book / Page	5161 / 2303
Map Reference	MB 31 PG 91
Instrument Date	Aug 10, 2018
Instrument	2018101487
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	EQUITABLE TITLE OF CELEBRATI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,911.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 ANGEL FISH LOOP, 2030, LEESBURG, FL 34748-6159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11755 OSWALT RD, CLERMONT, FL 34711-9365

Mortgage

Document Number	2018101489
Date	Aug 29, 2018
Instrument	2018101489

Lender

Name	LONE MORTGAGE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$271,790 (+5.99%) Land $96,250 Building $175,540	$398,628 (+34.34%) Land $96,250 Building $302,378
2024	$3,665.00 (+7.79%)
2023	$3,400.00 (+7.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$256,440 (+3%)	$296,728 (+0.98%) Land $42,350 Building $254,378
2022	$3,162.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$248,980	$293,844 Land $42,350 Building $251,494

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	5 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.07% 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	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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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