16523 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16523 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,556 sqft · built 2017
Lot Size	0.129 acres (5,653 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jul 2020)
Tax Bill	$4,807 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0103-000-09800`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0103-000-09800`
Alternative APN	`3905903`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,556 sqft Living Area
1st Floor Area	1,388 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

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	72 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3905903
Street Address	16523 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 98 ORB 5512 PG 1791
Legal Section	14
Legal Subdivision	SAWGRASS BAY
Legal Phase	2B
Legal Tract	103
Legal Lot Number	98
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	2 Individual Names on Record
Mailing Address	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jul 25, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Jul 25, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	Jul 25, 2017 · Amount on Record
Deed Document Number	2020081137
Deed Book / Page	5512 / 1791
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 29, 2020
Property Address	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029
Document Number	0055121791
Book / Page	005512 / 001791
Instrument Date	Jul 24, 2020
Instrument	81137
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TITLE OF LAKE CNTY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
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	16523 CENTIPEDE ST CLERMONT FL 347145029, CLERMONT, FL 34714-5029

Mortgage

Document Number	55121793
Date	Jul 29, 2020
Book Page	005512/001793
Instrument	81138

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

July 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 25, 2017
Property Address	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029
Document Number	0049761831
Book / Page	4976 / 1831
Map Reference	MB 68 PG 77-79
Instrument Date	Jul 21, 2017
Instrument	2017079635
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	$2,055.90
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	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029

Mortgage

Document Number	2017079636
Date	Jul 25, 2017
Instrument	2017079636

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

July 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 25, 2017
Property Address	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029
Document Number	0049761459
Book / Page	4976 / 1459
Map Reference	MB 68 PG 77-79
Instrument Date	Jul 21, 2017
Instrument	2017079503
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	$2,055.90
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	16523 CENTIPEDE ST, CLERMONT, FL 34714-5029

Mortgage

Document Number	2017079504
Date	Jul 25, 2017
Instrument	2017079504

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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		$336,860 (+5.98%) Land $100,000 Building $236,860	$381,813 (-7.2%) Land $100,000 Building $281,813
2024	$4,807.00 (+6.92%)
2023	$4,496.00 (+6.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$317,840 (+3%)	$411,430 (+14.91%) Land $100,000 Building $311,430
2022	$4,203.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$308,590	$358,040 Land $64,500 Building $293,540

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.

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