16432 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16432 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,955 sqft · built 2018
Lot Size	0.135 acres (5,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,350 (Aug 2018)
Tax Bill	$4,598 (2024)
Deeds & Mortgages	Jun 2021 Second Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-21700`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-21700`
Alternative APN	`3905927`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,955 sqft Living Area
1st Floor Area	1,261 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	5,916 sqft (0.135 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905927
Street Address	16432 CENTIPEDE ST
City	CLERMONT
State	FL
Zip	34714-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAWGRASS BAY PHASE 2B PB 68 PG 77-79 LOT 217 ORB 5148 PG 60
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	217
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2033
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	2 Individual Names on Record
Mailing Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Sep 28, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 8, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Aug 1, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	2018089186
Deed Book / Page	5148 / 0060
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026

Mortgage

Document Number	0057410618
Date	Jun 30, 2021
Book Page	5741/618
Instrument	2021090011

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026

Mortgage

Document Number	0055510251
Date	Sep 28, 2020
Book Page	5551/251
Instrument	2020107280

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026
Document Number	0053410198
Instrument Date	Sep 8, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16432 CENTIPEDE ST CLERMONT FL 347145026, CLERMONT, FL 34714-5026

Mortgage

Document Number	0053410198
Date	Sep 13, 2019
Book Page	005341/000198
Instrument	103309

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2049

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Aug 1, 2018
Property Address	16432 CENTIPEDE ST, CLERMONT, FL 34714-5026
Document Number	0051480060
Book / Page	005148 / 000060
Instrument Date	Jul 30, 2018
Instrument	89186
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,291.45
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16432 CENTIPEDE ST CLERMONT FL 347145026, CLERMONT, FL 34714-5026

Mortgage

Document Number	51480061
Date	Aug 1, 2018
Book Page	005148/000061
Instrument	89187

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33173

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 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		$315,360 (+5.98%) Land $100,000 Building $215,360	$389,011 (-7.58%) Land $100,000 Building $289,011
2024	$4,598.00 (+7.1%)
2023	$4,293.00 (+7.14%) Homeowner's exemption	$297,560 (+3%)	$420,937 (+22.19%) Land $100,000 Building $320,937
2022	$4,007.00 Homeowner's exemption	$288,900	$344,486 Land $43,000 Building $301,486

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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