16699 Centipede St, Clermont, FL 34714 Property Records

Lake County property record for 16699 Centipede St, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,444 sqft · built 2020
Lot Size	0.228 acres (9,918 sqft)
Owner	2 Individual Names on Record
Last Sale	$354,457 (Jan 2021)
Tax Bill	$3,544 (2024)
Deeds & Mortgages	Jan 2026 Transfer Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-26-0110-000-14100`

Property Details

APN / Parcel Number

Primary APN	`14-24-26-0110-000-14100`
Alternative APNs	`262414011000014100` `3920590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,444 sqft Living Area
Gross Area	2,885 sqft
1st Floor Area	2,332 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,918 sqft (0.228 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	44 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3920590
Street Address	16699 CENTIPEDE ST
City	CLERMONT
State	FL
Zip	34714-5096
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAWGRASS BAY PHASE 4B2 PB 72 PG 81-83 LOT 141 ORB 5613 PG 92
Legal Range	26E
Legal Township	24S
Legal Section	14
Legal Subdivision	SAWGRASS BAY PHASE 4B2
Legal Tract	A-1
Legal Lot Number	141
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2012
Census Tract	31314

Owner

Source: Lake County records, as of March 6, 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	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 28, 2023	Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jan 5, 2021	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on Record
Deed Sale	Jan 5, 2021 · Amount on Record
Deed Document Number	20211069
Deed Book / Page	5613 / 92
Last Transfer Date	Jan 8, 2026
Transfer Doc	0066661980
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Jan 15, 2026
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Document Number	0066661980
Book / Page	6666 / 1980
Map Reference	MB 72 PG 81-83
Instrument Date	Jan 8, 2026
Instrument	2026006022
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

Mortgage

Document Number	0062180734
Date	Sep 28, 2023
Book Page	6218/734
Instrument	2023119368

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

Mortgage

Document Number	0056741911
Date	Mar 30, 2021
Book Page	5674/1911
Instrument	2021042597

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

Mortgage

Document Number	0058540792
Date	Dec 10, 2021
Book Page	5854/792
Instrument	2021170619

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096

Mortgage

Document Number	0058540779
Date	Dec 10, 2021
Book Page	5854/779
Instrument	2021170618

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 5, 2021
Property Address	16699 CENTIPEDE ST, CLERMONT, FL 34714-5096
Document Number	0056130092
Book / Page	5613 / 92
Map Reference	MB 72 PG 81-83
Instrument Date	Dec 29, 2020
Instrument	2021001069
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,481.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16699 CENTIPEDE STREET, CLERMONT, FL 34714-5096

Mortgage

Document Number	0000561394
Date	Jan 5, 2021
Instrument	5613/94

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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		$244,960 (+2.9%)	$358,939 (-) Land $100,000 Building $258,939
2025		$238,060 (+5.98%) Land $100,000 Building $138,060	$358,939 (-11.43%) Land $100,000 Building $258,939
2024	$3,544.00 (+6.59%)
2023	$3,325.00 (+8.62%) Homeowner's exemption Widower's exemption	$224,630 (+3%)	$405,258 (+6.06%) Land $100,000 Building $305,258
2022	$3,061.00 Homeowner's exemption	$218,090	$382,101 Land $86,000 Building $296,101

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 76% of the US · above 63% of Florida
Wildfire Likelihood	0.6% 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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