16321 Sanctuary Reserve Loop, Clermont, FL 34714 Property Records

Lake County property record for 16321 Sanctuary Reserve Loop, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 2023
Lot Size	0.144 acres (6,253 sqft)
Owner	2 Trust Names on File
Last Sale	$374,509 (Jun 2023)
Tax Bill	$7,369 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-24-26-0230-000-05100`

Property Details

APN / Parcel Number

Primary APN	`23-24-26-0230-000-05100`
Alternative APNs	`262423023000005100` `3938077`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,342 sqft Living Area
Gross Area	1,783 sqft
1st Floor Area	1,342 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	6,253 sqft (0.144 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3938077
Street Address	16321 SANCTUARY RESERVE LOOP
City	CLERMONT
State	FL
Zip	34714-4751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANCTUARY PHASE 2 PB 79 PG 37-41 LOT 51 ORB 6168 PG 582
Legal Subdivision	SANCTUARY PHASE 2
Legal Lot Number	51
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2012
Census Tract	31314

Owner

16321 Sanctuary Reserve Loop is owner-occupied and held in a trust since October 2025.

Source: Lake County records, as of February 18, 2026

Owner of Record	2 Trust Names on File
Mailing Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 26, 2026	Special Warranty Deed, Transfer · Conventional Mortgage TOMO MORTGAGE LLC
Oct 8, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 29, 2023	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on File
Deed Sale	Jun 29, 2023 · Amount on File
Deed Document Number	202378254
Deed Book / Page	6168 / 582
Last Transfer Date	Oct 7, 2025
Transfer Doc	0066112296
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Investor	Possibly a Property Investor

Mortgage

Document Number	0066780552
Date	Feb 5, 2026
Book Page	6678/552
Instrument	2026015268

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 26, 2026
Property Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Document Number	0066890946
Book / Page	6689 / 946
Map Reference	MB 86 PG 78
Instrument Date	Feb 24, 2026
Instrument	2026023518
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,283.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2726 RAINDROP RUN ST, CLERMONT, FL 34714-4775

Mortgage

Document Number	0006689948
Date	Feb 26, 2026
Instrument	6689/948

Lender

Name	TOMO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Oct 8, 2025
Property Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Document Number	0066112296
Book / Page	6611 / 2296
Map Reference	MB 79 PG 37-41
Instrument Date	Oct 7, 2025
Instrument	2025125017
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Investor	Possibly a Property Investor

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 29, 2023
Property Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Document Number	0061680582
Book / Page	6168 / 582
Map Reference	MB 79 PG 37-41
Instrument Date	Jun 27, 2023
Instrument	2023078254
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,622.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16321 SANCTUARY RESERVE LOOP, CLERMONT, FL 34714-4751
Investor	Possibly a Property Investor

Mortgage

Document Number	0006168584
Date	Jun 29, 2023
Instrument	6168/584

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

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

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		$327,745 (-) Land $125,000 Building $202,745	$327,745 (-) Land $125,000 Building $202,745
2025		$327,745 (+2.18%) Land $125,000 Building $202,745	$327,745 (+2.18%) Land $125,000 Building $202,745
2024	$7,369.00 (+143.12%)	$320,753 (+358.22%) Land $125,000 Building $195,753	$320,753 (+358.22%) Land $125,000 Building $195,753
2023	$3,031.00	$70,000	$70,000 Land $70,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 16321 Sanctuary Reserve Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 83 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	83 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

Wildfire risk around 16321 Sanctuary Reserve Loop is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.5% 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	LAKE UTILITY SERVICES INC NORTH (8 WPS) public/private · serves 24,798 people · EPA ID FL3354883
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2021 Haloacetic acids resolved · Oct 2021
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 358 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 / 35

May also be available: CenturyLink, Verizon.

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