16511 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16511 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,188 sqft · built 2017
Lot Size	0.129 acres (5,653 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,000 (Nov 2017)
Tax Bill	$4,023 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-09500`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-09500`
Alternative APN	`3905900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,188 sqft Living Area
1st Floor Area	1,704 sqft

Exterior

Year Built	Built 2017
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905900
Street Address	16511 CENTIPEDE ST
City	CLERMONT
State	FL
Zip	34714-5029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAWGRASS BAY PHASE 2B PB 68 PG 77-79 LOT 95 ORB 5020 PG 987
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	95
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 10, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 1, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Deed Document Number	2017116126
Deed Book / Page	5020 / 0987
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029

Mortgage

Document Number	0061981725
Date	Aug 22, 2023
Book Page	6198/1725
Instrument	2023102759

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029

Mortgage

Document Number	0056591472
Date	Mar 10, 2021
Book Page	5659/1472
Instrument	2021031978

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Nov 1, 2017
Property Address	16511 CENTIPEDE ST, CLERMONT, FL 34714-5029
Document Number	0050200987
Book / Page	005020 / 000987
Instrument Date	Oct 30, 2017
Instrument	116126
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 16, 2017
Title Company	DHI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.00
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	16511 CENTIPEDE ST CLERMONT FL 347145029, CLERMONT, FL 34714-5029

Mortgage

Document Number	50200988
Date	Nov 1, 2017
Book Page	005020/000988
Instrument	116127

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

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		$270,410 (+5.98%) Land $100,000 Building $170,410	$400,975 (-7.75%) Land $100,000 Building $300,975
2024	$4,023.00 (+7.86%)
2023	$3,730.00 (+7.93%) Homeowner's exemption	$255,140 (+3%)	$434,672 (+21.62%) Land $100,000 Building $334,672
2022	$3,456.00 Homeowner's exemption	$247,710	$357,395 Land $43,000 Building $314,395

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 77% of the US · above 65% of Florida
Wildfire Likelihood	0.5% 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.

Nearby Properties on Centipede St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures