14830 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14830 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,339 sqft · built 1997
Lot Size	0.3 acres (13,083 sqft)
Owner	Individual Name on File
Last Sale	$172,500 (Apr 2013)
Tax Bill	$3,557 (2024)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-31500`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-31500`
Alternative APNs	`262228071000031500` `3757068`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,339 sqft Living Area
Gross Area	2,801 sqft
1st Floor Area	2,089 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,083 sqft (0.3 acres)
Lot Width	91 ft Width
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	350 sqft
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3757068
Street Address	14830 SPRUCE PINE LN
City	CLERMONT
State	FL
Zip	34711-7696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GREATER PINES PHASE 3 SUB LOT 315 PB 38 PGS 9-10 ORB 4304 PG 1990
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES PHASE 3 SUB
Legal Tract	0710
Legal Lot Number	315
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2031
Census Tract	31315

Owner

Source: Lake County records · APN 28-22-26-0710-000-31500

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	14830 SPRUCE PINE LN, CLERMONT, FL 34711-7696
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2013 · Amount on Record
Deed Sale	Apr 04, 2013 · Amount on Record
Prior Sale	Sep 09, 1999 · Amount on Record
Deed Document Number	201338961
Deed Book / Page	4304 / 1990
Prior Transfer Date	Aug 31, 1999
Prior Transfer Doc	0017500955
Record Updated	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	14830 SPRUCE PINE LN, CLERMONT, FL 34711-7696
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054080261
Date	Jan 17, 2020
Book Page	5408/0261
Instrument	2020007512

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Nov 01, 2034

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$201,300 (+2.9%)	$382,059 (-) Land $120,000 Building $262,059
2025		$195,630 (+5.98%) Land $120,000 Building $75,630	$382,059 (+22.35%) Land $120,000 Building $262,059
2024	$3,557.00 (+10.36%)
2023	$3,223.00 (+9.25%) Homeowner's exemption	$184,590 (+3%)	$312,270 (-) Land $60,000 Building $252,270
2022	$2,950.00 Homeowner's exemption	$179,220	$312,270 Land $60,000 Building $252,270

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 239 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.