18224 E Apshawa Rd, Clermont, FL 34715 Property Records

Lake County property record for 18224 E Apshawa Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1993
Lot Size	1.01 acres (44,209 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Sep 2026)
Tax Bill	$3,551 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-21-25-0003-000-04600`

Property Details

APN / Parcel Number

Primary APN	`36-21-25-0003-000-04600`
Alternative APNs	`252136000300004600` `3019814`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	2,188 sqft
1st Floor Area	1,748 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2023
Exterior Material	Wood Frame
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	44,209 sqft (1.01 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Slab
Porch Area	398 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3019814
Street Address	18224 E APSHAWA RD
City	CLERMONT
State	FL
Zip	34715-9004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FROM SE COR OF N 1/4 OF W 1/2 OF SE 1/4 OF SW 1/4 RUN S 89DEG 43MIN 43SEC W 310 FT N 0DEG 23MIN 03SEC W 150 FT FOR POB RUN S 89DEG 43MIN 43SEC W 298.69 FT N 0DEG 11MIN 55SEC E 99.61 FT N 45DEG E 72.35 FT N 89DEG 38MIN 19SEC E 248.89 FT S TO POB ORB 4
Legal Range	25E
Legal Township	21S
Legal Section	36
Legal Quarter	3
Legal Subdivision	ACREAGE
Legal Tract	0003
Legal Lot Number	46
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2098
Census Tract	31309

Owner

Source: Lake County records, as of October 14, 2026

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	18224 E APSHAWA RD, CLERMONT, FL 34715-9004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Aug 29, 2017	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	2026114273
Deed Book / Page	6813 / 1765
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 16, 2026
Property Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004
Document Number	0000114273
Book / Page	6813 / 1765
Instrument Date	Sep 15, 2026
Instrument	2026114273
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	APEX TITLE AGENCY, APEX TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$402,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004

Mortgage

Document Number	0000114274,
Date	Sep 16, 2026
Instrument	2026114274

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Sep 18, 2026
Property Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004
Document Number	0000115389
Book / Page	6815 / 93
Instrument Date	Sep 15, 2026
Instrument	2026115389
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004

Mortgage

Document Number	0000115389,
Date	Sep 18, 2026
Book Page	6815/93
Instrument	2026115389

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 29, 2017
Property Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004
Document Number	0049931866
Book / Page	4993 / 1866
Instrument Date	Aug 23, 2017
Instrument	2017093641
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18224 E APSHAWA RD, CLERMONT, FL 34715-9004

Mortgage

Document Number	2017093642
Date	Aug 29, 2017
Instrument	2017093642

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

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

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		$257,430 (+2.7%)	$368,610 (-0.03%) Land $87,000 Building $281,610
2025	$3,551.00 (+2.6%)	$250,670 (+5.98%) Land $87,000 Building $163,670	$368,739 (+2.21%) Land $87,000 Building $281,739
2024	$3,461.00 (+8.09%)
2023	$3,202.00 (+7.78%) Homeowner's exemption	$236,520 (+3%)	$360,771 (+0.04%) Land $87,000 Building $273,771
2022	$2,971.00 Homeowner's exemption	$229,640	$360,643 Land $87,000 Building $273,643

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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	MINNEOLA WATER DEPARTMENT (2 WPS) serves 20,605 people · EPA ID FL3350836
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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