1540 Reflections St, Clermont, FL 34711 Property Records

Lake County property record for 1540 Reflections St, Clermont, FL 34711 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,924 sqft · built 2005
Lot Size	0.261 acres (11,404 sqft)
Owner	Individual Name on File
Last Sale	$369,900 (May 2018)
Tax Bill	$4,377 (2024)
Deeds & Mortgages	May 2021 Mortgage May 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-26-0160-000-08500`

Property Details

APN / Parcel Number

Primary APN	`20-22-26-0160-000-08500`
Alternative APN	`3828420`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,924 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,404 sqft (0.261 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	300 sqft
Porch	Open Porch
Porch Area	447 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3828420
Street Address	1540 REFLECTIONS ST
City	CLERMONT
State	FL
Zip	34711-5195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEVIEW POINTE PB 52 PG 52-56 LOT 85 ORB 5107 PG 1335
Legal Range	26E
Legal Township	22S
Legal Section	20
Legal Subdivision	LAKEVIEW
Legal Tract	160
Legal Lot Number	85
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2032
Census Tract	31320

Owner

Source: Lake County records · APN 20-22-26-0160-000-08500

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC
May 10, 2018	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Aug 04, 2017	Warranty Deed, Transfer · Conventional Mortgage MAINSTREET COMMUNITY BANK OF FLORID
Mar 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2018 · Amount on Record
Deed Sale	May 10, 2018 · Amount on Record
Prior Sale	Aug 04, 2017 · Amount on Record
Deed Document Number	2018054149
Deed Book / Page	5107 / 1335
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195

Mortgage

Document Number	0057132022
Date	May 21, 2021
Book Page	5713/2022
Instrument	2021070380

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 10, 2018
Property Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195
Document Number	0051071335
Book / Page	5107 / 1335
Map Reference	MB 52 PG 52-56
Instrument Date	May 09, 2018
Instrument	2018054149
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	HOMELAND TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1540 REFLECTIONS ST, 1540, CLERMONT, FL 34711-5195

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195

Mortgage

Document Number	2018054150
Date	May 10, 2018
Instrument	2018054150

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 04, 2017
Property Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195
Document Number	0049821984
Book / Page	4982 / 1984
Map Reference	MB 52 PG 52-56
Instrument Date	Aug 03, 2017
Instrument	2017084291
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	TOWN SQUARE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	448 POINTER PL, 448, WINTER PARK, FL 32789-6137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195

Mortgage

Document Number	2017084292
Date	Aug 04, 2017
Instrument	2017084292

Lender

Name	MAINSTREET COMMUNITY BANK OF FLORID
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2032

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1540 REFLECTIONS ST, CLERMONT, FL 34711-5195
Document Number	0049170233
Book / Page	004917 / 000233
Instrument Date	Mar 09, 2017
Transaction Type	Mortgage
Record Updated	Apr 03, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1540 REFLECTIONS ST CLERMONT FL 347115195, CLERMONT, FL 34711-5195

Mortgage

Document Number	0049170233
Date	Mar 20, 2017
Book Page	004917/000233
Instrument	29465

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 19, 2032

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Clermont City
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
2025		$306,160 (+5.98%) Land $100,000 Building $206,160	$424,102 (+5.25%) Land $100,000 Building $324,102
2024	$4,377.00 (+1.91%)
2023	$4,295.00 (+3.07%) Homeowner's exemption	$288,880 (+3%)	$402,964 (+18.83%) Land $70,000 Building $332,964
2022	$4,167.00 Homeowner's exemption	$280,470	$339,108 Land $60,000 Building $279,108

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690313202, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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, availability as of December 31, 2025 · Published October 2026 · based on 429 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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