1192 Esperanza Ridge Rd, Clermont, FL 34715 Property Records

Lake County property record for 1192 Esperanza Ridge Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,590 sqft · built 2018
Lot Size	0.166 acres (7,231 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Aug 2026)
Tax Bill	$4,652 (2025)
Deeds & Mortgages	Aug 2026 Sale Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-26-0260-000-21400`

Property Details

APN / Parcel Number

Primary APN	`15-22-26-0260-000-21400`
Alternative APNs	`262215026000021400` `3909446`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,590 sqft Living Area
Gross Area	3,087 sqft
1st Floor Area	2,246 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	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3909446
Street Address	1192 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 214 ORB 5210 PG 109
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	214
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1016
Census Tract	31319

Owner

1192 Esperanza Ridge Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Lake County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 28, 2026	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO
Oct 7, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Nov 9, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Dec 12, 2018	Grant Deed, Transfer · VA Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	2026106299
Deed Book / Page	6802 / 1617
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 28, 2026
Property Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0000106299
Book / Page	6802 / 1617
Instrument Date	Aug 25, 2026
Instrument	2026106299
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount on Record
Tax	$385,315.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040

Mortgage

Document Number	0055580937
Date	Oct 7, 2020
Book Page	5558/937
Instrument	2020112007

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0053752120
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1192 ESPERANZA RIDGE RD CLERMONT FL 347150040, CLERMONT, FL 34715-0040

Mortgage

Document Number	0053752120
Date	Nov 18, 2019
Book Page	005375/002120
Instrument	130654

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Dec 12, 2018
Property Address	1192 ESPERANZA RIDGE RD, CLERMONT, FL 34715-0040
Document Number	0052100109
Book / Page	005210 / 000109
Instrument Date	Dec 11, 2018
Instrument	143178
Transaction Type	Transfer
Record Updated	Jan 5, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,706.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1192 ESPERANZA RIDGE RD CLERMONT FL 347150040, CLERMONT, FL 34715-0040

Mortgage

Document Number	52100111
Date	Dec 12, 2018
Book Page	005210/000111
Instrument	143179

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1192 Esperanza Ridge Rd was $4,652 with exemptions applied, up 0.9% from the year before.

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		$334,040 (+2.7%)	$486,782 (-) Land $140,000 Building $346,782
2025	$4,652.00 (+0.93%) Homeowner's exemption Veteran's exemption	$325,260 Land $140,000 Building $185,260	$486,782 Land $140,000 Building $346,782
2024	$4,609.00 (+1.97%)
2023	$4,520.00 (+3.08%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$306,900 (+3%)	$431,281 (+9.02%) Land $98,000 Building $333,281
2022	$4,385.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,970	$395,582 Land $82,500 Building $313,082

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

Flood

FEMA maps place 1192 Esperanza Ridge 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 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

Wildfire risk around 1192 Esperanza Ridge Rd is moderate, ranking above 43% of the US, with a 0.08% annual chance of 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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