16495 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16495 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 Record
Last Sale	$490,000 (Jun 2023)
Tax Bill	$6,702 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-09100`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-09100`
Alternative APN	`3905896`

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
Porch	Open Porch
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905896
Street Address	16495 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 91 ORB 6167 PG 1108
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	91
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	16495 CENTIPEDE ST, CLERMONT, FL 34714-5027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Jun 20, 2018	Special Warranty Deed, Subdivision Related Transfer · ARM METRO CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Jun 20, 2018 · Amount on Record
Deed Document Number	2023077533
Deed Book / Page	6167 / 1108
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 28, 2023
Property Address	16495 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0061671108
Book / Page	6167 / 1108
Map Reference	MB 68 PG 77-79
Instrument Date	Jun 26, 2023
Instrument	2023077533
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TTL OF LAKE CNTY L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 E INTERNATIONAL SPEEDWAY BLVD, DELAND, FL 32724-2425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16495 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	0061671110
Date	Jun 28, 2023
Instrument	6167/1110

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	12.7%
Index	Other
Margin	4
Max Rate	12.7%

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 20, 2018
Property Address	16495 CENTIPEDE ST, CLERMONT, FL 34714-5027
Document Number	0051271416
Book / Page	5127 / 1416
Map Reference	MB 68 PG 77-79
Instrument Date	Jun 14, 2018
Instrument	2018071557
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,327.50
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	16495 CENTIPEDE ST, CLERMONT, FL 34714-5027

Mortgage

Document Number	2018071558
Date	Jun 20, 2018
Instrument	2018071558

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	10.3%

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		$385,402 (+22.83%) Land $100,000 Building $285,402	$385,402 (-7.6%) Land $100,000 Building $285,402
2024	$6,702.00 (+48.67%)
2023	$4,508.00 (+6.9%)	$313,760 (+3%)	$417,096 (+15.1%) Land $100,000 Building $317,096
2022	$4,217.00 Homeowner's exemption	$304,630	$362,377 Land $64,500 Building $297,877

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 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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