15917 Bay Lakes Trl, Clermont, FL 34711 Property Records

Lake County property record for 15917 Bay Lakes Trl, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,882 sqft · built 1991
Lot Size	0.263 acres (11,497 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Nov 2023)
Tax Bill	$4,100 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-22-26-0505-000-22600`

Property Details

APN / Parcel Number

Primary APN	`22-22-26-0505-000-22600`
Alternative APN	`3324277`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,882 sqft Living Area
1st Floor Area	1,882 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,497 sqft (0.263 acres)
Lot Width	89 ft Width
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	144 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	480 sqft
Porch	Open Porch
Porch Area	231 sqft
Deck Area	445 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3324277
Street Address	15917 BAY LAKES TRL
City	CLERMONT
State	FL
Zip	34711-9699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREATER HILLS PHASE 2 SUB LOT 226 PB 31 PGS 71-72 ORB 6243 PG 1670
Legal Range	26E
Legal Township	22S
Legal Section	22
Legal Subdivision	GREATER HILLS
Legal Phase	2
Legal Tract	505
Legal Lot Number	226
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1027
Census Tract	31321

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15917 BAY LAKES TRL, CLERMONT, FL 34711-9699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Mar 7, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Deed Document Number	2023140911
Deed Book / Page	6243 / 1670
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 17, 2023
Property Address	15917 BAY LAKES TRL, CLERMONT, FL 34711-9699
Document Number	0062431670
Book / Page	6243 / 1670
Map Reference	MB 31 PG 71&72
Instrument Date	Nov 15, 2023
Instrument	2023140911
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15917 BAY LAKES TRL, CLERMONT, FL 34711-9699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15917 BAY LAKES TRL, CLERMONT, FL 34711-9699

Mortgage

Document Number	0062431671
Date	Nov 17, 2023
Instrument	6243/1671

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2038

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15917 BAY LAKES TRL, CLERMONT, FL 34711-9699
Document Number	0052490872
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12942 SCOTTISH PINE LN CLERMONT FL 347117108, CLERMONT, FL 34711-7108

Mortgage

Document Number	0052490872
Date	Mar 15, 2019
Book Page	005249/000872
Instrument	28690

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 30809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2049

Interest

Rate Type	Adjustable Rate

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		$247,280 (+54.95%) Land $100,000 Building $147,280	$374,987 (+16.91%) Land $100,000 Building $274,987
2024	$4,100.00 (+45.86%)
2023	$2,811.00 (+12.89%) Homeowner's exemption	$159,590 (+2.99%)	$320,738 (+10.13%) Land $70,000 Building $250,738
2022	$2,490.00 Homeowner's exemption	$154,950	$291,238 Land $40,500 Building $250,738

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 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 52% of the US · lower than 77% 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	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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Verizon, Xfinity.

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