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14812 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14812 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,887 sqft · built 1997
Lot Size0.302 acres (13,164 sqft)
OwnerIndividual Name on Record
Last Sale$253,500 (Sep 2007)
Tax Bill$2,818 (2024)
Deeds & MortgagesDec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN28-22-26-0710-000-31800

Property Details

APN / Parcel Number

Primary APN28-22-26-0710-000-31800
Alternative APNs
  • 262228071000031800
  • 3757092

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,887 sqft Living Area
Gross Area2,349 sqft
1st Floor Area1,647 sqft

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2021
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialAsphalt
Lot Area13,164 sqft (0.302 acres)
Lot Width92 ft Width
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area304 sqft
Deck AreaDeck Area
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number3757092
Street Address14812 SPRUCE PINE LN
CityCLERMONT
StateFL
Zip34711-7696
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR6
Legal DescriptionGREATER PINES PHASE 3 SUB LOT 318 PB 38 PGS 9-10 ORB 3508 PG 1537 ORB 3756 PG 732
Legal Range26E
Legal Township22S
Legal Section28
Legal SubdivisionGREATER PINES PHASE 3 SUB
Legal Tract0710
Legal Lot Number318
JurisdictionLAKE FL
Township / Civil DivisionCLERMONT
Census Block Group2
Census Block2031
Census Tract31315

Owner

Source: Lake County records, as of November 26, 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 RecordIndividual Name on Record
Mailing Address14812 SPRUCE PINE LN, CLERMONT, FL 34711-7696
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 14, 2007 · Amount on Record
Deed SaleSep 14, 2007 · Amount on Record
Prior SaleAug 20, 2002 · Amount on Record
Deed Document Number2007124673
Deed Book / Page3508 / 1537
Last Transfer DateApr 2, 2009
Transfer Doc0037560732
Record UpdatedJun 8, 2026

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address14812 SPRUCE PINE LN, CLERMONT, FL 34711-7696
Document Number0052140137
Instrument DateDec 13, 2018
Transaction TypeMortgage
Record UpdatedJan 3, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address14812 SPRUCE PINE LN CLERMONT FL 347117696, CLERMONT, FL 34711-7696

Mortgage

Document Number0052140137
DateDec 20, 2018
Book Page005214/000137
Instrument146647
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressCORAL GABLES, FL 33146
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term240 Months
DueDec 19, 2038

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$141,850 (+2.89%)$334,143 (-) Land $120,000 Building $214,143
2025$137,860 (+5.98%) Land $120,000 Building $17,860$334,143 (+25.6%) Land $120,000 Building $214,143
2024$2,818.00 (+12.77%)
2023$2,499.00 (+11.36%) Homeowner's exemption$130,080 (+2.99%)$266,042 (-) Land $60,000 Building $206,042
2022$2,244.00 Homeowner's exemption$126,300$266,042 Land $60,000 Building $206,042

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies14 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
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 SystemCLERMONT EAST WATER SYSTEM (2 WPS)
serves 39,279 people · EPA ID FL3354779
Water SourceGroundwater
Last State InspectionApr 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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