12044 Elbert St, Clermont, FL 34711 Property Records

Lake County property record for 12044 Elbert St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,004 sqft · built 1991
Lot Size	0.427 acres (18,580 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jan 1998)
Tax Bill	$5,721 (2024)
Deeds & Mortgages	Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`35-22-25-0100-000-00400`

Property Details

APN / Parcel Number

Primary APN	`35-22-25-0100-000-00400`
Alternative APNs	`252235010000000400` `1713391`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,004 sqft Living Area
Gross Area	4,700 sqft
1st Floor Area	2,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	18,580 sqft (0.427 acres)
Lot Dimensions	162 ft deep x 137 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	904 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1713391
Street Address	12044 ELBERT ST
City	CLERMONT
State	FL
Zip	34711-8818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	CASHWELL MINNEHAHA SHORES LOT 4 1/41 INT IN LOT 8 PB 23 PG 56 ORB 1577 PG 0235 ORB 5081 PG 1434
Legal Range	25E
Legal Township	22S
Legal Section	35
Legal Subdivision	CASHWELL MINNEHAHA SHORES SUB
Legal Tract	0100
Legal Lot Number	4
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2047
Census Tract	31313

Owner

12044 Elbert St is owned and occupied by two individuals who acquired it in February 2018.

Source: Lake County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	12044 ELBERT ST, CLERMONT, FL 34711-8818
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 1998 · Amount on File
Deed Sale	Jan 16, 1998 · Amount on File
Deed Book / Page	1577 / 235
Last Transfer Date	Feb 20, 2018
Transfer Doc	0050811434
Record Updated	Jun 8, 2026

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Mar 19, 2018
Property Address	12044 ELBERT ST, CLERMONT, FL 34711-8818
Document Number	0050811434
Book / Page	005081 / 001434
Instrument Date	Feb 20, 2018
Instrument	31030
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12044 ELBERT ST CLERMONT FL 347118818, CLERMONT, FL 34711-8818

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$439,790 (+2.9%)	$544,116 (-) Land $254,100 Building $290,016
2025		$427,400 Land $254,100 Building $173,300	$544,116 Land $254,100 Building $290,016
2024	$5,721.00 (+5.63%)
2023	$5,416.00 (+5.51%) Homeowner's exemption	$403,270 (+3%)	$532,717 (-) Land $254,100 Building $278,617
2022	$5,133.00 Homeowner's exemption	$391,530	$532,717 Land $254,100 Building $278,617

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

Flood

FEMA maps place 12044 Elbert St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 43 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	4 (2017–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 12044 Elbert St is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30