16440 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16440 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,193 sqft · built 2018
Lot Size	0.137 acres (5,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Feb 2026)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-21500`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-21500`
Alternative APNs	`262414010300021500` `3905925`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,193 sqft Living Area
Gross Area	2,676 sqft
1st Floor Area	848 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,971 sqft (0.137 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3905925
Street Address	16440 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 215 ORB 5206 PG 1973
Legal Range	26E
Legal Township	24S
Legal Section	14
Legal Subdivision	SAWGRASS BAY PHASE 2B
Legal Tract	A&B
Legal Lot Number	215
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2033
Census Tract	31314

Owner

Source: Lake County records, as of June 30, 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	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Feb 19, 2026	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 11, 2019	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG
Dec 5, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2026 · Amount on Record
Deed Sale	Feb 19, 2026 · Amount on Record
Prior Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	202620403
Deed Book / Page	6684 / 1731
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026

Mortgage

Document Number	0056510352
Date	Feb 25, 2021
Book Page	5651/352
Instrument	2021026385

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Nov 1, 2049

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 19, 2026
Property Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026
Document Number	0066841731
Book / Page	6684 / 1731
Map Reference	MB 68 PG 77
Instrument Date	Feb 2, 2026
Instrument	2026020403
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FLORIDIAN TITLE LLC, FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5928 UONA AVE, ORLANDO, FL 32835-2038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026

Mortgage

Document Number	0066841734
Date	Feb 19, 2026
Instrument	6684/1734

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026
Document Number	0053610149
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16440 CENTIPEDE ST CLERMONT FL 347145026, CLERMONT, FL 34714-5026

Mortgage

Document Number	0053610149
Date	Oct 21, 2019
Book Page	005361/000149
Instrument	118921

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Dec 5, 2018
Property Address	16440 CENTIPEDE ST, CLERMONT, FL 34714-5026
Document Number	0052061973
Book / Page	005206 / 001973
Instrument Date	Dec 3, 2018
Instrument	140356
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2018
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,981.00
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	16440 CENTIPEDE ST CLERMONT FL 347145026, CLERMONT, FL 34714-5026

Mortgage

Document Number	52061974
Date	Dec 5, 2018
Book Page	005206/001974
Instrument	140357

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2048

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		$269,300 (+2.9%)	$330,939 (-) Land $100,000 Building $230,939
2025	$4,026.00 (+2.91%) Homeowner's exemption	$261,710 (+5.98%) Land $100,000 Building $161,710	$330,939 (-7.09%) Land $100,000 Building $230,939
2024	$3,912.00 (+8.04%)
2023	$3,621.00 (+8.09%) Homeowner's exemption	$246,940 (+3%)	$356,198 (+25.57%) Land $100,000 Building $256,198
2022	$3,350.00 Homeowner's exemption	$239,750	$283,672 Land $43,000 Building $240,672

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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