1184 Esperanza Ridge Rd, Clermont, FL 34715 Property Records

Lake County property record for 1184 Esperanza Ridge Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,811 sqft · built 2018
Lot Size	0.164 acres (7,163 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,225 (Aug 2018)
Tax Bill	$2,485 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-26-0260-000-21800`

Property Details

APN / Parcel Number

Primary APN	`15-22-26-0260-000-21800`
Alternative APN	`3909450`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,811 sqft Living Area
1st Floor Area	1,811 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	7,163 sqft (0.164 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3909450
Street Address	1184 ESPERANZA RIDGE RD
City	CLERMONT
State	FL
Zip	34715-0040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND RANCH ESPLANADE PHASE 2 PB 69 PG 43-48 LOT 218 ORB 5153 PG 2409
Legal Section	15
Legal Subdivision	HIGHLAND RANCH ESPLANADE
Legal Phase	2
Legal Tract	260
Legal Lot Number	218
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1016
Census Tract	31319

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1184 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Oct 10, 2019	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Aug 14, 2018	Grant Deed, Transfer · VA Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Deed Document Number	2018094250
Deed Book / Page	5153 / 2409
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1184 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1184 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

Mortgage

Document Number	0056690955
Date	Mar 22, 2021
Book Page	5669/955
Instrument	2021038686

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1184 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053561102
Date	Oct 10, 2019
Book Page	5356/1102
Instrument	2019114925

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Aug 14, 2018
Property Address	1184 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0051532409
Book / Page	005153 / 002409
Instrument Date	Aug 10, 2018
Instrument	94250
Transaction Type	Transfer
Record Updated	Jan 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,010.58
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1184 ESPERANZA RIDGE RD CLERMONT FL 34715, CLERMONT, FL 34715

Mortgage

Document Number	51532411
Date	Aug 14, 2018
Book Page	005153/002411
Instrument	94251

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$216,280 (+5.98%) Land $140,000 Building $76,280	$426,629 (+14.16%) Land $140,000 Building $286,629
2024	$2,485.00 (+2.73%)
2023	$2,419.00 (-11.52%) Homeowner's exemption Widower's exemption	$204,070 (+3%)	$373,701 (+23.31%) Land $98,000 Building $275,701
2022	$2,734.00 Homeowner's exemption	$198,130	$303,062 Land $82,500 Building $220,562

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon, Xfinity.

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