12114 Garnet Dr, Clermont, FL 34711 Property Records

Lake County property record for 12114 Garnet Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,394 sqft · built 1995
Lot Size	0.571 acres (24,890 sqft)
Owner	2 Individual Names on File
Last Sale	$658,900 (Aug 2026)
Tax Bill	$5,656 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-22-26-0060-000-06100`

Property Details

APN / Parcel Number

Primary APN	`31-22-26-0060-000-06100`
Alternative APNs	`262231006000006100` `2868929`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,394 sqft Living Area
Gross Area	4,452 sqft
1st Floor Area	3,082 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	24,890 sqft (0.571 acres)
Lot Dimensions	214 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	1,058 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	574 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2868929
Street Address	12114 GARNET DR
City	CLERMONT
State	FL
Zip	34711-7675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	AMBERHILL FIRST ADDITION LOT 61 PB 28 PGS 69-70 ORB 4833 PG 1521
Legal Range	26E
Legal Township	22S
Legal Section	31
Legal Subdivision	AMBERHILL FIRST ADDITION
Legal Tract	0060
Legal Lot Number	61
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1011
Census Tract	31316

Owner

12114 Garnet Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Lake County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12114 GARNET DR, CLERMONT, FL 34711-7675
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 5, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Sep 12, 2016 · Amount on File
Deed Document Number	202696087
Deed Book / Page	6789 / 1639
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 5, 2026
Property Address	12114 GARNET DR, CLERMONT, FL 34711-7675
Document Number	0000096087
Book / Page	6789 / 1639
Instrument Date	Jul 31, 2026
Instrument	202696087
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	EQUITABLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465,842.30
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	12114 GARNET DR, CLERMONT, FL 34711-7675

Mortgage

Document Number	0000096088,
Date	Aug 5, 2026
Instrument	202696088

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12114 GARNET DR, CLERMONT, FL 34711-7675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050350997
Date	Dec 4, 2017
Book Page	5035/0997
Instrument	2017128862

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12114 GARNET DR, CLERMONT, FL 34711-7675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053851389
Date	Dec 5, 2019
Book Page	5385/1389
Instrument	2019138330

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12114 Garnet Dr was $5,656 with exemptions applied, up 2.6% from the year before.

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		$420,250 (+2.9%)	$589,498 (-0.05%) Land $150,000 Building $439,498
2025	$5,656.00 (+2.59%) Homeowner's exemption Disabled Person's exemption	$408,410 Land $150,000 Building $258,410	$589,792 Land $150,000 Building $439,792
2024	$5,513.00 (+5.78%)
2023	$5,212.00 (+5.61%) Homeowner's exemption Disabled Person's exemption	$385,340 (+3%)	$533,883 (+27.02%) Land $120,000 Building $413,883
2022	$4,935.00 Homeowner's exemption Disabled Person's exemption	$374,120	$420,330 Land $72,000 Building $348,330

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

Flood

FEMA maps place 12114 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

Wildfire risk around 12114 Garnet Dr is low, with a 0.03% 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	0.03% 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	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 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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