12731 Pine Arbor Dr, Clermont, FL 34711 Property Records

Lake County property record for 12731 Pine Arbor Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,123 sqft · built 1999
Lot Size	0.331 acres (14,397 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (May 2026)
Tax Bill	$4,527 (2024)
Deeds & Mortgages	Feb 2021 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0720-000-51900`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0720-000-51900`
Alternative APNs	`262228072000051900` `3782621`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,123 sqft Living Area
Gross Area	2,563 sqft
1st Floor Area	2,123 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,397 sqft (0.331 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	343 sqft
Deck Area	Deck Area
Utility Building	756 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3782621
Street Address	12731 PINE ARBOR DR
City	CLERMONT
State	FL
Zip	34711-7123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GREATER PINES PHASE 5 SUB LOT 519 PB 40 PGS 90-91 ORB 5099 PG 814
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES PHASE 5 SUB
Legal Tract	0720
Legal Lot Number	519
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2090
Census Tract	31315

Owner

12731 Pine Arbor Dr is owned and occupied by an individual who bought it in May 2026.

Source: Lake County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 6, 2026	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 6, 2026	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC
Apr 23, 2018	Warranty Deed, Transfer · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	Apr 23, 2018 · Amount on File
Deed Document Number	202655941
Deed Book / Page	6734 / 789
Prior Transfer Date	Sep 4, 2009
Prior Transfer Doc	0038191744
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123

Mortgage

Document Number	0056511795
Date	Feb 26, 2021
Book Page	5651/1795
Instrument	2021026814

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 6, 2026
Property Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Document Number	0000055941
Book / Page	6734 / 789
Instrument Date	Apr 30, 2026
Instrument	2026.55941
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
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	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123

Mortgage

Document Number	0000055942,
Date	May 6, 2026
Instrument	2026..55942

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 6, 2026
Property Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Document Number	0067340789
Book / Page	6734 / 789
Instrument Date	Apr 30, 2026
Instrument	202655941
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
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	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Investor	Possibly a Property Investor

Mortgage

Document Number	0000055942,
Date	May 6, 2026
Instrument	202655942

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050070225
Date	Oct 3, 2017
Book Page	5007/0225
Instrument	2017104586

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 23, 2018
Property Address	12731 PINE ARBOR DR, CLERMONT, FL 34711-7123
Document Number	0050990814
Book / Page	005099 / 000814
Instrument Date	Apr 4, 2018
Instrument	46887
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	PREMIER ALLIANCE TITLE GROUP L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12731 PINE ARBOR DR CLERMONT FL 347117123, CLERMONT, FL 34711-7123

Mortgage

Document Number	50990815
Date	Apr 23, 2018
Book Page	005099/000815
Instrument	46888

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2048

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		$279,320 (+2.9%)	$395,740 (-) Land $120,000 Building $275,740
2025		$271,450 Land $120,000 Building $151,450	$395,740 Land $120,000 Building $275,740
2024	$4,527.00 (+8.48%)
2023	$4,173.00 (+7.61%) Homeowner's exemption	$256,120 (+3%)	$327,622 (+0.05%) Land $60,000 Building $267,622
2022	$3,878.00 Homeowner's exemption	$248,660	$327,454 Land $60,000 Building $267,454

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12731 Pine Arbor 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 12731 Pine Arbor 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	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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