14801 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14801 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,183 sqft · built 1999
Lot Size	0.359 acres (15,661 sqft)
Owner	Individual Name on File
Last Sale	$269,900 (Oct 2019)
Tax Bill	$4,075 (2024)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-32100`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-32100`
Alternative APN	`3757122`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,183 sqft Living Area
1st Floor Area	2,183 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	15,661 sqft (0.359 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	586 sqft
Utility Building	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3757122
Street Address	14801 SPRUCE PINE LN
City	CLERMONT
State	FL
Zip	34711-7697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREATER PINES PHASE 3 SUB LOT 321 PB 38 PGS 9-10 ORB 5358 PG 1850
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES
Legal Phase	3
Legal Tract	710
Legal Lot Number	321
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2035
Census Tract	31315

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	14801 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2019 · Amount on Record
Deed Sale	Oct 16, 2019 · Amount on Record
Prior Sale	Jun 15, 1999 · Amount on Record
Deed Document Number	2019116893
Deed Book / Page	5358 / 1850
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 16, 2019
Property Address	14801 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Document Number	0053581850
Book / Page	5358 / 1850
Map Reference	MB 38 PG 9&10
Instrument Date	Oct 8, 2019
Instrument	2019116893
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	METES AND BOUNDS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,889.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 60354, SAVANNAH, GA 31420-0354

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14801 SPRUCE PINE LN, CLERMONT, FL 34711-7697

Mortgage

Document Number	0053581851
Date	Oct 16, 2019
Instrument	5358/1851

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$236,160 (+5.98%) Land $120,000 Building $116,160	$394,894 (+23.15%) Land $120,000 Building $274,894
2024	$4,075.00 (+9.22%)
2023	$3,731.00 (+8.27%) Homeowner's exemption	$222,830 (+3%)	$320,654 (+0.03%) Land $60,000 Building $260,654
2022	$3,446.00 Homeowner's exemption	$216,340	$320,564 Land $60,000 Building $260,564

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 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

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	0.03% 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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