12817 Valley Ridge Rd, Clermont, FL 34711 Property Records

Lake County property record for 12817 Valley Ridge Rd, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 2000
Lot Size	0.276 acres (12,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2018)
Tax Bill	$3,713 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-22-26-0375-000-04100`

Property Details

APN / Parcel Number

Primary APN	`31-22-26-0375-000-04100`
Alternative APNs	`262231037500004100` `3781930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,290 sqft
1st Floor Area	1,784 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,015 sqft (0.276 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Slab
Porch Area	400 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	3781930
Street Address	12817 VALLEY RIDGE RD
City	CLERMONT
State	FL
Zip	34711-6718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE VALLEY SUB LOT 41 PB 40 PGS 11-12 ORB 5095 PG 1507
Legal Range	26E
Legal Township	22S
Legal Section	31
Legal Subdivision	LAKE VALLEY SUB
Legal Tract	0375
Legal Lot Number	41
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1015
Census Tract	31316

Owner

Source: Lake County records, as of August 12, 2026

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	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 16, 2018	Warranty Deed, Transfer · FHA Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	May 12, 2015 · Amount on Record
Deed Document Number	201843638
Deed Book / Page	5095 / 1507
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Apr 28, 2026
Property Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718
Document Number	0000051793
Book / Page	6728 / 979
Instrument Date	Mar 28, 2026
Instrument	202651793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718

Mortgage

Document Number	0000051793,
Date	Apr 28, 2026
Book Page	6728/979
Instrument	202651793

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jul 1, 2054

Interest

Rate	5.98%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718

Mortgage

Document Number	0061182338
Date	Apr 4, 2023
Book Page	6118/2338
Instrument	2023037975

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Aug 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054090412
Date	Jan 22, 2020
Book Page	5409/0412
Instrument	2020008314

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jun 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 16, 2018
Property Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718
Document Number	0050951507
Book / Page	5095 / 1507
Map Reference	MB 40 PG 11
Instrument Date	Apr 12, 2018
Instrument	2018043638
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12817 VALLEY RIDGE RD, CLERMONT, FL 34711-6718

Mortgage

Document Number	2018043639
Date	Apr 16, 2018
Instrument	2018043639

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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		$270,170 (+2.7%)	$428,845 (-0.04%) Land $150,000 Building $278,845
2025	$3,713.00 (+2.6%) Homeowner's exemption	$263,070 (+5.98%) Land $150,000 Building $113,070	$428,999 (+17.17%) Land $150,000 Building $278,999
2024	$3,619.00 (+7.8%)
2023	$3,357.00 (+7.53%) Homeowner's exemption	$248,220 (+3%)	$366,127 (+20.16%) Land $120,000 Building $246,127
2022	$3,122.00 Homeowner's exemption	$240,990	$304,697 Land $72,000 Building $232,697

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
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% 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.

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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