16447 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16447 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,955 sqft · built 2018
Lot Size	0.129 acres (5,653 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jan 2021)
Tax Bill	$5,694 (2024)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-07900`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-07900`
Alternative APN	`3905884`

Interior

Bedrooms	4 Beds
Full Baths	3 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	5,653 sqft (0.129 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905884
Street Address	16447 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 79 ORB 5627 PG 654
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	79
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2012
Census Tract	31314

Owner

16447 Centipede St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027
Occupancy	Owner Occupied
Owner Type	Individual

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 23, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 5, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Nov 30, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2021 · Amount on File
Deed Sale	Jan 22, 2021 · Amount on File
Prior Sale	Nov 30, 2018 · Amount on File
Deed Document Number	2021010182
Deed Book / Page	5627 / 654
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	0062881069
Date	Feb 23, 2024
Book Page	6288/1069
Instrument	2024020818

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jan 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 22, 2021
Property Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0056270654
Book / Page	5627 / 654
Map Reference	MB 68 PG 77-79
Instrument Date	Jan 19, 2021
Instrument	2021010182
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	REMS ST, BRADFORD, TX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	0005627656
Date	Jan 22, 2021
Instrument	5627/656

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0054381655
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16447 CENTIPEDE ST CLERMONT FL 347145027, CLERMONT, FL 34714-5027

Mortgage

Document Number	0054381655
Date	Mar 13, 2020
Book Page	005438/001655
Instrument	31700

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 30, 2018
Property Address	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0052041904
Book / Page	5204 / 1904
Map Reference	MB 68 PG 77-79
Instrument Date	Nov 28, 2018
Instrument	2018138652
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
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	16447 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	2018138653
Date	Nov 30, 2018
Instrument	2018138653

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 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		$394,880 Land $100,000 Building $294,880	$394,880 Land $100,000 Building $294,880
2024	$5,694.00 (+6.09%)
2023	$5,367.00 (+6.17%) Homeowner's exemption Additional exemption filed	$378,410 (+3%)	$422,434 (+14.98%) Land $100,000 Building $322,434
2022	$5,055.00 Homeowner's exemption Additional exemption filed	$367,392	$367,392 Land $64,500 Building $302,892

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16447 Centipede St in Zone X, an area of minimal flood risk.

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 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 16447 Centipede St is high, ranking above 78% 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 78% of the US · above 67% 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 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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