14847 Spruce Pine Ln, Clermont, FL 34711 Property Records

Lake County property record for 14847 Spruce Pine Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 1997
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2021)
Tax Bill	$4,829 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-26-0710-000-32800`

Property Details

APN / Parcel Number

Primary APN	`28-22-26-0710-000-32800`
Alternative APN	`3757190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,812 sqft Living Area
1st Floor Area	1,812 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	12,600 sqft (0.289 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3757190
Street Address	14847 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 328 PB 38 PGS 9-10 ORB 5736 PG 2123
Legal Range	26E
Legal Township	22S
Legal Section	28
Legal Subdivision	GREATER PINES
Legal Phase	3
Legal Tract	710
Legal Lot Number	328
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2035
Census Tract	31315

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	14847 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Sep 15, 2015 · Amount on Record
Deed Document Number	2021086865
Deed Book / Page	5736 / 2123
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 24, 2021
Property Address	14847 SPRUCE PINE LN, CLERMONT, FL 34711-7697
Document Number	0057362123
Book / Page	5736 / 2123
Map Reference	MB 38 PG 9&10
Instrument Date	Jun 14, 2021
Instrument	2021086865
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	HOMELAND TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14847 SPRUCE PINE LN, CLERMONT, FL 34711-7697

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14847 SPRUCE PINE LN, CLERMONT, FL 34711-7697

Mortgage

Document Number	0057362124
Date	Jun 24, 2021
Instrument	5736/2124

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$295,110 (+5.54%) Land $120,000 Building $175,110	$349,485 (+24.99%) Land $120,000 Building $229,485
2024	$4,829.00 (-3.3%)
2023	$4,994.00 (+4%)	$279,612 (-)	$279,612 (-) Land $60,000 Building $219,612
2022	$4,802.00	$279,612	$279,612 Land $60,000 Building $219,612

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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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