15524 Pendio Dr, Bella Collina (Montverde), FL 34756 Property Records

Lake County property record for 15524 Pendio Dr, Bella Collina, FL 34756

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.06 acres (46,491 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Aug 2021)
Tax Bill	$5,171 (2024)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-22-26-0500-000-15100`

Property Details

APN / Parcel Number

Primary APN	`12-22-26-0500-000-15100`
Alternative APN	`3825575`

Exterior

Lot Area	46,491 sqft (1.06 acres)

Location & Zoning

Account Number	3825575
Street Address	15524 PENDIO DR
City	BELLA COLLINA
State	FL
Zip	34756-3652
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BELLA COLLINA PB 51 PG 31-49 LOT 151 ORB 5767 PG 903
Legal Range	26E
Legal Township	22S
Legal Section	12
Legal Subdivision	BELLA COLLINA
Legal Tract	500
Legal Lot Number	151
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1051
Census Tract	31301

Owner

15524 Pendio Dr, residential vacant land, is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15524 PENDIO DR, BELLA COLLINA, FL 34756-3652
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Dec 19, 2016 · Amount on File
Deed Document Number	2021108432
Deed Book / Page	5767 / 903
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15524 PENDIO DR, BELLA COLLINA, FL 34756-3652
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16515 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3703

Mortgage

Document Number	0061671332
Date	Jun 28, 2023
Book Page	6167/1332
Instrument	2023077605

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Max Rate	9.75%

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		$385,000 Land $385,000	$385,000 Land $385,000
2024	$5,171.00 (+2.97%)
2023	$5,022.00 (-3.92%)	$225,000 (-)	$225,000 (-) Land $225,000
2022	$5,227.00	$225,000	$225,000 Land $225,000

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

Flood

FEMA maps place 15524 Pendio Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.

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 52 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	5 (2017–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

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 15524 Pendio Dr is moderate, ranking above 63% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	PINE ISLAND private · serves 35 people · EPA ID FL3354956
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2024) 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pendio Dr

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