14827 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14827 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1997
Lot Size	0.304 acres (13,253 sqft)
Owner	2 Individual Names on File
Last Sale	$222,000 (Sep 2018)
Tax Bill	$3,650 (2024)
Deeds & Mortgages	Feb 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-32500`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-32500`
Alternative APN	`3757165`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,548 sqft Living Area
1st Floor Area	1,548 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	13,253 sqft (0.304 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3757165
Street Address	14827 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 325 PB 38 PGS 9-10 ORB 5168 PG 151
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES
Legal Phase	3
Legal Tract	710
Legal Lot Number	325
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2035
Census Tract	31315

Owner

14827 Spruce Pine Ln is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	14827 SPRUCE PINE LN, CLERMONT, FL 34711-7697
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
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Sep 11, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Prior Sale	May 6, 2005 · Amount on File
Deed Document Number	2018106578
Deed Book / Page	5168 / 0151
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	14827 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Document Number	0054330311
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14827 SPRUCE PINE LN CLERMONT FL 347117697, CLERMONT, FL 34711-7697

Mortgage

Document Number	0054330311
Date	Mar 4, 2020
Book Page	005433/000311
Instrument	27667

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 11, 2018
Property Address	14827 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Document Number	0051680151
Book / Page	005168 / 000151
Instrument Date	Aug 28, 2018
Instrument	106578
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14827 SPRUCE PINE LN CLERMONT FL 347117697, CLERMONT, FL 34711-7697

Mortgage

Document Number	51680153
Date	Sep 11, 2018
Book Page	005168/000153
Instrument	106579

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

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		$202,920 Land $120,000 Building $82,920	$319,038 Land $120,000 Building $199,038
2024	$3,650.00 (+10.14%)
2023	$3,314.00 (+9.05%) Homeowner's exemption	$191,470 (+3%)	$252,817 (-) Land $60,000 Building $192,817
2022	$3,039.00 Homeowner's exemption	$185,900	$252,817 Land $60,000 Building $192,817

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

Flood

FEMA maps place 14827 Spruce Pine Ln 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 14827 Spruce Pine Ln is low, with a 0.03% annual chance of 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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