14841 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14841 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,011 sqft · built 1997
Lot Size	0.303 acres (13,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,000 (Jul 1997)
Tax Bill	$5,131 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-32700`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-32700`
Alternative APNs	`262228071000032700` `3757181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,011 sqft Living Area
Gross Area	2,495 sqft
1st Floor Area	2,011 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,204 sqft (0.303 acres)
Lot Width	95 ft Width
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	423 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3757181
Street Address	14841 SPRUCE PINE LN
City	CLERMONT
State	FL
Zip	34711-7697
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	GREATER PINES PHASE 3 SUB LOT 327 PB 38 PGS 9-10 ORB 5603 PG 1566
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES PHASE 3 SUB
Legal Tract	0710
Legal Lot Number	327
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2035
Census Tract	31315

Owner

Source: Lake County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	14841 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 1997 · Amount on Record
Deed Sale	Jul 28, 1997 · Amount on Record
Deed Book / Page	1535 / 582
Last Transfer Date	Feb 16, 2005
Transfer Doc	0027642353
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 18, 2020
Property Address	14841 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Document Number	0056031566
Book / Page	5603 / 1566
Map Reference	MB 38 PG 9&10
Instrument Date	Dec 14, 2020
Instrument	2020142614
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10225 OLD ARDREY KELL RD APT 211, 10225, CHARLOTTE, NC 28277-4475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14841 SPRUCE PINE LN, CLERMONT, FL 34711-7697

Mortgage

Document Number	0056031568
Date	Dec 18, 2020
Instrument	5603/1568

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$327,930 (+2.9%)	$369,714 (-) Land $120,000 Building $249,714
2025		$318,690 (+5.6%) Land $120,000 Building $198,690	$369,714 (+22.51%) Land $120,000 Building $249,714
2024	$5,131.00 (+7.37%)
2023	$4,779.00 (+4.19%) Homeowner's exemption	$301,788 (-)	$301,788 (-) Land $60,000 Building $241,788
2022	$4,587.00 Homeowner's exemption	$301,788	$301,788 Land $60,000 Building $241,788

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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