Lake County property record for 12032 Garnet Dr, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,102 sqft · built 1995 |
| Lot Size | 0.496 acres (21,616 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $312,500 (Dec 2004) |
| Tax Bill | $3,548 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-22-26-0060-000-05400 |
| Primary APN | 31-22-26-0060-000-05400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,102 sqft Living Area |
| 1st Floor Area | 1,201 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 21,616 sqft (0.496 acres) |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 336 sqft |
| Porch | Open Porch |
| Porch Area | 142 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3463471 |
|---|---|
| Street Address | 12032 GARNET DR |
| City | CLERMONT |
| State | FL |
| Zip | 34711-8550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AMBERHILL FIRST ADDITION LOT 54 PB 28 PGS 69-70 ORB 2727 PG 1330 |
| Legal Range | 26E |
| Legal Township | 22S |
| Legal Section | 31 |
| Legal Subdivision | AMBERHILL |
| Legal Tract | 60 |
| Legal Lot Number | 54 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 31316 |
The current owner of 12032 Garnet Dr bought it in December 2004.
Source: Lake County records, as of December 15, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 12032 GARNET DR, CLERMONT, FL 34711-8550 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2004 · Amount on File |
| Deed Sale | Dec 30, 2004 · Amount on File |
| Prior Sale | Sep 6, 2000 · Amount on File |
| Deed Document Number | 2004173122 |
| Deed Book / Page | 2727 / 1330 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 12032 GARNET DR, CLERMONT, FL 34711-8550 |
| Document Number | 0055100375 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12032 GARNET DR CLERMONT FL 347118550, CLERMONT, FL 34711-8550 |
| Document Number | 0055100375 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 005510/000375 |
| Instrument | 79275 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 23, 2040 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $249,690 Land $150,000 Building $99,690 | $420,275 Land $150,000 Building $270,275 | |
| 2024 | $3,548.00 (+7.87%) | ||
| 2023 | $3,289.00 (+9.6%) Homeowner's exemption | $235,600 (+3%) | $373,821 (+31.2%) Land $120,000 Building $253,821 |
| 2022 | $3,001.00 Homeowner's exemption | $228,740 | $284,935 Land $72,000 Building $212,935 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12032 Garnet Dr 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 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 risk around 12032 Garnet Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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