13147 Coldwater Loop, Clermont, FL 34711 Property Records

Lake County property record for 13147 Coldwater Loop, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,956 sqft · built 2006
Lot Size	0.236 acres (10,312 sqft)
Owner	Individual Name on File
Last Sale	$416,900 (Jan 2007)
Tax Bill	$3,313 (2024)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-23-26-1501-000-13800`

Property Details

APN / Parcel Number

Primary APN	`07-23-26-1501-000-13800`
Alternative APN	`3849935`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,956 sqft Living Area
1st Floor Area	1,356 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,312 sqft (0.236 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3849935
Street Address	13147 COLDWATER LOOP
City	CLERMONT
State	FL
Zip	34711-8017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERLOOK AT LAKE LOUISA PHASE 2 PB 58 PG 31-34 LOT 138 ORB 3345 PG 2282
Legal Range	26E
Legal Township	23S
Legal Section	07
Legal Subdivision	OVERLOOK AT LAKE LOUISA PHASE
Legal Phase	2
Legal Tract	F-H
Legal Lot Number	138
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3011
Census Tract	31316

Owner

13147 Coldwater Loop is owned and occupied by an individual who bought it in January 2007.

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 File
Co-owner	Co-owner on File
Mailing Address	13147 COLDWATER LOOP, CLERMONT, FL 34711-8017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2007 · Amount on File
Deed Sale	Jan 10, 2007 · Amount on File
Deed Document Number	2007004858
Deed Book / Page	3345 / 2282
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	13147 COLDWATER LOOP, CLERMONT, FL 34711-8017
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13147 COIDWATER LOOP, CLERMONT, FL 34711-8017

Mortgage

Document Number	0058471384
Date	Dec 1, 2021
Book Page	5847/1384
Instrument	2021165698

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$231,280 Land $100,000 Building $131,280	$454,086 Land $100,000 Building $354,086
2024	$3,313.00 (+8.3%)
2023	$3,059.00 (+10.23%) Homeowner's exemption	$218,230 (+3%)	$442,605 (+16.87%) Land $100,000 Building $342,605
2022	$2,775.00 Homeowner's exemption	$211,880	$378,700 Land $75,250 Building $303,450

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

Flood

FEMA maps place 13147 Coldwater Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.

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 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	5 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims

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 13147 Coldwater Loop 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 333 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 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink, Summit Broadband, Verizon.

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