14817 Pine Cone Trl, Clermont, FL 34711 Property Records

Lake County property record for 14817 Pine Cone Trl, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,807 sqft · built 1997
Lot Size	0.299 acres (13,067 sqft)
Owner	2 Individual Names on File
Last Sale	$114,600 (Oct 1997)
Tax Bill	$2,869 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-34000`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-34000`
Alternative APN	`3757319`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,807 sqft Living Area
1st Floor Area	1,807 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	13,067 sqft (0.299 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	235 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	3757319
Street Address	14817 PINE CONE TRL
City	CLERMONT
State	FL
Zip	34711-7698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREATER PINES PHASE 3 SUB LOT 340 PB 38 PGS 9-10 ORB 1554 PG 2351
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES
Legal Phase	3
Legal Tract	710
Legal Lot Number	340
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2039
Census Tract	31315

Owner

14817 Pine Cone Trl is owned and occupied by two individuals who bought it in October 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698
Occupancy	Owner Occupied
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 13, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Sep 21, 2018	Deed of Trust, Mortgage · Line of Credit SUNSTATE FCU
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 1997 · Amount on File
Deed Sale	Oct 17, 1997 · Amount on File
Prior Sale	Jul 14, 1997 · Amount on File
Deed Document Number	0155402351
Deed Book / Page	01554 / 02351
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698
Investor	Possibly a Property Investor

Mortgage

Document Number	0059370433
Date	Apr 13, 2022
Book Page	5937/433
Instrument	2022052205

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051731132
Date	Sep 21, 2018
Book Page	5173/1132
Instrument	2018111624

Lender

Name	SUNSTATE FCU
Type	Credit Union
Address	GAINESVILLE, FL 32601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	APOLLO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14817 PINE CONE TRL, CLERMONT, FL 34711-7698

Mortgage

Document Number	0056031984
Date	Dec 18, 2020
Book Page	5603/1984
Instrument	2020142738

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

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

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		$141,860 Land $120,000 Building $21,860	$346,273 Land $120,000 Building $226,273
2024	$2,869.00 (+12.55%)
2023	$2,549.00 (+11.16%) Homeowner's exemption	$133,860 (+2.99%)	$279,104 (-) Land $60,000 Building $219,104
2022	$2,293.00 Homeowner's exemption	$129,970	$279,104 Land $60,000 Building $219,104

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

Flood

FEMA maps place 14817 Pine Cone Trl in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 14817 Pine Cone Trl is low, with a 0.05% 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	0.05% 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	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 208 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: T-Mobile.

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