1313 Ryan St, Clermont, FL 34711 Property Records

Lake County property record for 1313 Ryan St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1972
Lot Size	0.232 acres (10,125 sqft)
Owner	Individual Name on Record
Last Sale	$112,500 (May 2009)
Tax Bill	$997 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-22-25-0500-000-04700`

Property Details

APN / Parcel Number

Primary APN	`25-22-25-0500-000-04700`
Alternative APN	`1789729`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	1,116 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	340 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1789729
Street Address	1313 RYAN ST
City	CLERMONT
State	FL
Zip	34711-3049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT HIGHLAND ESTATES LOT 47 N 1/2 OF LOT 48 PB 6 PG 107 ORB 3769 PG 2423
Legal Range	25E
Legal Township	22S
Legal Section	25
Legal Subdivision	CLERMONT
Legal Tract	500
Legal Lot Number	47-48
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1018
Census Tract	31313

Owner

Source: Lake County records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1313 RYAN ST, CLERMONT, FL 34711-3049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS
Dec 30, 2016	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2009 · Amount on Record
Deed Sale	May 14, 2009 · Amount on Record
Prior Sale	Jul 9, 1999 · Amount on Record
Deed Document Number	2009051939
Deed Book / Page	3769 / 2423
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1313 RYAN ST, CLERMONT, FL 34711-3049
Document Number	0053911514
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1313 RYAN ST CLERMONT FL 347113049, CLERMONT, FL 34711-3049

Mortgage

Document Number	0053911514
Date	Dec 17, 2019
Book Page	005391/001514
Instrument	143122

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1313 RYAN ST, CLERMONT, FL 34711-3049
Document Number	0048881007
Book / Page	004888 / 001007
Instrument Date	Dec 30, 2016
Transaction Type	Mortgage
Record Updated	Jan 20, 2017
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 RYAN ST CLERMONT FL 347113049, CLERMONT, FL 34711-3049

Mortgage

Document Number	0048881007
Date	Jan 12, 2017
Book Page	004888/001007
Instrument	3775

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 11, 2037

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Clermont City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$102,360 (+5.97%)	$271,414 (+15.98%) Land $112,500 Building $158,914
2024	$997.00 (+3.64%)
2023	$962.00 (+4.79%) Homeowner's exemption	$96,590 (+3%)	$234,013 (+23.81%) Land $90,000 Building $144,013
2022	$918.00 Homeowner's exemption	$93,780	$189,013 Land $45,000 Building $144,013

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, T-Mobile, Xfinity.

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