1445 Retreat Cir, Clermont, FL 34714 Property Records

Lake County property record for 1445 Retreat Cir, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 2016
Lot Size	0.031 acres (1,350 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Apr 2021)
Tax Bill	$4,398 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-24-26-1920-000-04800`

Property Details

APN / Parcel Number

Primary APN	`25-24-26-1920-000-04800`
Alternative APNs	`262425192000004800` `3865024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,501 sqft Living Area
1st Floor Area	810 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2024
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	1,350 sqft (0.031 acres)

Exterior Amenities

Pool Area	72 sqft
Porch	Finished/Open Porch
Porch Area	282 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	3865024
Street Address	1445 RETREAT CIR
City	CLERMONT
State	FL
Zip	34714-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RETREAT AT SILVER CREEK PB 62 PG 23-26 LOT 48 ORB 5688 PG 423
Legal Range	26E
Legal Township	24S
Legal Section	25
Legal Subdivision	RETREAT AT SILVER CREEK
Legal Tract	A-Q
Legal Lot Number	48
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1030
Census Tract	31314

Owner

1445 Retreat Cir is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3540 SHENANDOAH ST, CHEYENNE, WY 82001-8536
Owner Type	Individual

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
Apr 15, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Mar 7, 2019	Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on File
Deed Sale	Apr 15, 2021 · Amount on File
Prior Sale	Mar 7, 2019 · Amount on File
Deed Document Number	202151744
Deed Book / Page	5688 / 423
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 15, 2021
Property Address	1445 RETREAT CIR, CLERMONT, FL 34714-4407
Document Number	0056880423
Book / Page	5688 / 423
Map Reference	MB 62 PG 23-26
Instrument Date	Apr 5, 2021
Instrument	2021051744
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	EXPRESS TITLE, EXPRESS TTL & CLOSING SVCS L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1511 RETREAT CIR, CLERMONT, FL 34714-4409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 SHENANDOAH ST, CHEYENNE, WY 82001-8536
Investor	Possibly a Property Investor

Mortgage

Document Number	0005688425
Date	Apr 15, 2021
Instrument	5688/425

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 7, 2019
Property Address	1445 RETREAT CIR, CLERMONT, FL 34714-4407
Document Number	0052451354
Book / Page	5245 / 1354
Map Reference	MB 62 PG 23
Instrument Date	Feb 19, 2019
Instrument	2019025400
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 WOOTTON DR, 16, STAFFORD UNITED KINGDOM XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 1506 BARRA DE TIJUCA RIO DE, JANEIRO BRAZIL XX, 22631

Mortgage

Document Number	2019025401
Date	Mar 7, 2019
Instrument	2019025401

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 1445 Retreat Cir was $4,398, down 2.7% from the year before.

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		$268,265 (-0.03%) Land $53,000 Building $215,265	$268,265 (-0.03%) Land $53,000 Building $215,265
2025	$4,398.00 (-2.66%)	$268,358 Land $53,000 Building $215,358	$268,358 Land $53,000 Building $215,358
2024	$4,518.00 (+8.97%)
2023	$4,146.00 (+23.84%)	$288,780 (+33.44%)	$288,780 (+33.44%) Land $53,000 Building $235,780
2022	$3,348.00	$216,416	$216,416 Land $32,250 Building $184,166

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

Flood

FEMA maps place 1445 Retreat Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 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 1445 Retreat Cir is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.4% 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	SOUTHLAKE UTILITIES private · serves 9,950 people · EPA ID FL3354916
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	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	1 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Nearby Properties on Retreat Cir

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