12418 Scottish Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 12418 Scottish Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,415 sqft · built 1998
Lot Size	0.392 acres (17,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,100 (Jun 2005)
Tax Bill	$3,658 (2024)
Deeds & Mortgages	Feb 2021 Line of Credit Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0715-000-42000`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0715-000-42000`
Alternative APNs	`262228071500042000` `3773758`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,415 sqft Living Area
Gross Area	3,535 sqft
1st Floor Area	2,415 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	17,078 sqft (0.392 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Wood Porch
Porch Area	705 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3773758
Street Address	12418 SCOTTISH PINE LN
City	CLERMONT
State	FL
Zip	34711-7112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GREATER PINES PHASE 4 SUB LOT 420 PB 38 PGS 97-98 ORB 2869 PG 350
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES PHASE 4 SUB
Legal Tract	0715
Legal Lot Number	420
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2027
Census Tract	31315

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 Individual Names on Record
Mailing Address	12418 SCOTTISH PINE LN, CLERMONT, FL 34711-7112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2005 · Amount on Record
Deed Sale	Jun 23, 2005 · Amount on Record
Prior Sale	May 11, 1998 · Amount on Record
Deed Document Number	200595316
Deed Book / Page	2869 / 350
Prior Transfer Date	Jun 9, 2005
Prior Transfer Doc	0028690350
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12418 SCOTTISH PINE LN, CLERMONT, FL 34711-7112
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12418 SCOTTISH PINE LN, CLERMONT, FL 34711-7112

Mortgage

Document Number	0056510726
Date	Feb 25, 2021
Book Page	5651/726
Instrument	2021026480

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12418 SCOTTISH PINE LN, CLERMONT, FL 34711-7112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054012266
Date	Jan 7, 2020
Book Page	5401/2266
Instrument	2020002104

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 6, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$209,450 (+2.9%)	$423,265 (-) Land $120,000 Building $303,265
2025		$203,550 (+5.98%) Land $120,000 Building $83,550	$423,265 (+25.75%) Land $120,000 Building $303,265
2024	$3,658.00 (+10.11%)
2023	$3,322.00 (+9.03%) Homeowner's exemption	$192,060 (+3%)	$336,592 (-) Land $60,000 Building $276,592
2022	$3,047.00 Homeowner's exemption	$186,470	$336,592 Land $60,000 Building $276,592

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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