16431 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16431 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,221 sqft · built 2018
Lot Size	0.147 acres (6,446 sqft)
Owner	Individual Name on Record
Last Sale	$288,680 (Oct 2018)
Tax Bill	$4,111 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-07500`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-07500`
Alternative APN	`3905880`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,221 sqft Living Area
1st Floor Area	848 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	6,446 sqft (0.147 acres)
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905880
Street Address	16431 CENTIPEDE ST
City	CLERMONT
State	FL
Zip	34714-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAWGRASS BAY PHASE 2B PB 68 PG 77-79 LOT 75 ORB 5180 PG 1815
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	75
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2012
Census Tract	31314

Owner

Source: Lake County records, as of December 15, 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 Record
Mailing Address	16431 CENTIPEDE ST, CLERMONT, FL 34714-5027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 26, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST SAVINGS BANK
Oct 5, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	2018117484
Deed Book / Page	5180 / 1815
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16431 CENTIPEDE ST, CLERMONT, FL 34714-5027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056071552
Date	Dec 23, 2020
Book Page	5607/1552
Instrument	2020145050

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16431 CENTIPEDE ST, CLERMONT, FL 34714-5027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053312166
Date	Aug 26, 2019
Book Page	5331/2166
Instrument	2019096219

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 5, 2018
Property Address	16431 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0051801815
Book / Page	5180 / 1815
Map Reference	MB 68 PG 77-79
Instrument Date	Sep 28, 2018
Instrument	2018117484
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,020.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16431 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	2018117485
Date	Oct 5, 2018
Instrument	2018117485

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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		$282,370 (+5.98%) Land $100,000 Building $182,370	$332,946 (-7.12%) Land $100,000 Building $232,946
2024	$4,111.00 (+7.82%)
2023	$3,813.00 (+7.83%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$266,430 (+3%)	$358,467 (+16.65%) Land $100,000 Building $258,467
2022	$3,536.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$258,670	$307,303 Land $64,500 Building $242,803

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: CenturyLink, Verizon.

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