15539 Charter Oaks Trl, Clermont, FL 34711 Property Records

Lake County property record for 15539 Charter Oaks Trl, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,659 sqft · built 1990
Lot Size	0.235 acres (10,219 sqft)
Owner	2 Individual Names on Record
Last Sale	$91,500 (Aug 1994)
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Sep 2026 Sale Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-22-26-0500-000-03600`

Property Details

APN / Parcel Number

Primary APN	`22-22-26-0500-000-03600`
Alternative APNs	`262222050000003600` `3273095`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,659 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,659 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2021
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	10,219 sqft (0.235 acres)
Lot Dimensions	120 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	444 sqft
Deck Area	Deck Area
Patio Area	85 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3273095
Street Address	15539 CHARTER OAKS TRL
City	CLERMONT
State	FL
Zip	34711-9650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	GREATER HILLS PHASE 1 SUB LOT 36 PB 30 PGS 41-44 ORB 1310 PG 134
Legal Range	26E
Legal Township	22S
Legal Section	22
Legal Subdivision	GREATER HILLS PHASE 1 SUB
Legal Tract	0500
Legal Lot Number	36
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2008
Census Tract	31321

Owner

Source: Lake County records, as of October 13, 2026

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	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 1994 · Amount on Record
Deed Sale	Aug 2, 1994 · Amount on Record
Deed Book / Page	1310 / 134
Last Transfer Date	Sep 25, 2026
Transfer Doc	0000118735
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE FL
Recording Date	Sep 28, 2026
Property Address	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650
Document Number	0000118735
Book / Page	6819 / 867
Instrument Date	Sep 25, 2026
Instrument	2026118735
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650

Mortgage

Document Number	0066650447
Date	Jan 13, 2026
Book Page	6665/447
Instrument	2026004778

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15539 CHARTER OAKS TRL, CLERMONT, FL 34711-9650
Document Number	0049800324
Book / Page	004980 / 000324
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15539 CHARTER OAKS TRL CLERMONT FL 347119650, CLERMONT, FL 34711-9650

Mortgage

Document Number	0049800324
Date	Aug 1, 2017
Book Page	004980/000324
Instrument	82397

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2042

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		$130,720 (+2.69%)	$332,560 (-) Land $100,000 Building $232,560
2025	$2,659.00 (+3.66%)	$127,290 (+5.98%) Land $100,000 Building $27,290	$332,560 (+19.77%) Land $100,000 Building $232,560
2024	$2,565.00 (+12.16%)
2023	$2,287.00 (+15.62%) Homeowner's exemption	$120,110 (+2.99%)	$277,674 (+11.89%) Land $70,000 Building $207,674
2022	$1,978.00 Homeowner's exemption	$116,620	$248,174 Land $40,500 Building $207,674

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% 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	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 287 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 / 35

May also be available: AT&T, Verizon.

Nearby Properties on Charter Oaks Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures