1190 Esperanza Ridge Rd, Clermont, FL 34715 Property Records

Lake County property record for 1190 Esperanza Ridge Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,365 sqft · built 2018
Lot Size	0.166 acres (7,231 sqft)
Owner	2 Company Names on Record
Last Sale	$323,700 (Dec 2018)
Tax Bill	$3,488 (2024)
Deeds & Mortgages	Mar 2024 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-26-0260-000-21500`

Property Details

APN / Parcel Number

Primary APN	`15-22-26-0260-000-21500`
Alternative APNs	`262215026000021500` `3909447`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,365 sqft Living Area
Gross Area	2,785 sqft
1st Floor Area	2,105 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,231 sqft (0.166 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	338 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3909447
Street Address	1190 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 215 ORB 5205 PG 822 ORB 6304 PG 20
Legal Range	26E
Legal Township	22S
Legal Section	15
Legal Subdivision	HIGHLAND RANCH ESPLANADE PHASE 2
Legal Tract	OO,PP,QQ,R
Legal Lot Number	215
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1016
Census Tract	31319

Owner

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	2 Company Names on Record
Mailing Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 3, 2018	Special Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	2018139186
Deed Book / Page	5205 / 822
Last Transfer Date	Mar 19, 2024
Transfer Doc	0063040020
Record Updated	Jun 8, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Mar 22, 2024
Property Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0063040020
Book / Page	6304 / 20
Map Reference	MB 69 PG 43-48
Instrument Date	Mar 19, 2024
Instrument	2024033394
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1190 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	0054050201
Date	Jan 13, 2020
Book Page	5405/0201
Instrument	2020004906

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 3, 2018
Property Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0052050822
Book / Page	5205 / 0822
Map Reference	MB 69 PG 43-48
Instrument Date	Nov 30, 2018
Instrument	2018139186
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,265.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 LAKE LUCIEN DR STE 350, 2600, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

Mortgage

Document Number	2018139187
Date	Dec 3, 2018
Instrument	2018139187

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$259,880 (+2.9%)	$468,122 (-) Land $140,000 Building $328,122
2025		$252,560 (+5.98%) Land $140,000 Building $112,560	$468,122 (+13.12%) Land $140,000 Building $328,122
2024	$3,488.00 (+2.05%)
2023	$3,418.00 (+3.2%) Homeowner's exemption	$238,310 (+3%)	$413,833 (+9.14%) Land $98,000 Building $315,833
2022	$3,312.00 Homeowner's exemption	$231,370	$379,192 Land $82,500 Building $296,692

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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