1831 Ridge Valley St, Clermont, FL 34711 Property Records

Lake County property record for 1831 Ridge Valley St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,281 sqft · built 2003
Lot Size	0.223 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (May 2019)
Tax Bill	$3,545 (2024)
Deeds & Mortgages	Nov 2020 Mortgage May 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-26-1955-000-29000`

Property Details

APN / Parcel Number

Primary APN	`20-22-26-1955-000-29000`
Alternative APN	`3806887`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,281 sqft Living Area
1st Floor Area	1,361 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,750 sqft (0.223 acres)
Garage Type	Finished
Garage Area	669 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3806887
Street Address	1831 RIDGE VALLEY ST
City	CLERMONT
State	FL
Zip	34711-6490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT SKYRIDGE VALLEY PHASE II SUB LOT 290 PB 45 PGS 46-48 ORB 5279 PG 1125
Legal Range	26E
Legal Township	22S
Legal Section	20
Legal Subdivision	CLERMONT
Legal Phase	2
Legal Tract	1955
Legal Lot Number	290
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1006
Census Tract	31320

Owner

1831 Ridge Valley St is owned and occupied by an individual who bought it in May 2019.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 14, 2019	Warranty Deed, Transfer · ARM WESTERN MORTGAGE CORP
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage PAUL N IHRIG
Apr 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 26, 2017	Warranty Deed, Transfer · Conventional Mortgage PAUL N IHRIG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Prior Sale	Apr 17, 2018 · Amount on File
Deed Document Number	2019053829
Deed Book / Page	5279 / 1125
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490

Mortgage

Document Number	0055831231
Date	Nov 16, 2020
Book Page	5583/1231
Instrument	2020128854

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 14, 2019
Property Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Document Number	0052791125
Book / Page	5279 / 1125
Map Reference	MB 45 PG 46-48
Instrument Date	May 13, 2019
Instrument	2019053829
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1831 RIDGE VALLEY ST, 1831, CLERMONT, FL 34711-6490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490

Mortgage

Document Number	2019053830
Date	May 14, 2019
Instrument	2019053830

Lender

Name	WESTERN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Document Number	0050941941
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	May 9, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1831 RIDGE VALLEY ST CLERMONT FL 347116490, CLERMONT, FL 34711-6490

Mortgage

Document Number	0050941941
Date	Apr 12, 2018
Book Page	005094/001941
Instrument	42912

Lender

Name	PAUL N IHRIG
Address	280 S RONALD REAGAN BLVD # 200, LONGWOOD, FL 32750-5463

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 11, 2023

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Apr 17, 2018
Property Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Document Number	0050961696
Book / Page	005096 / 001696
Instrument Date	Mar 19, 2018
Instrument	44631
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$490.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1831 RIDGE VALLEY ST CLERMONT FL 347116490, CLERMONT, FL 34711-6490

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 26, 2017
Property Address	1831 RIDGE VALLEY ST, CLERMONT, FL 34711-6490
Document Number	0049770396
Book / Page	004977 / 000396
Instrument Date	Jul 21, 2017
Instrument	79943
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1831 RIDGE VALLEY ST CLERMONT FL 347116490, CLERMONT, FL 34711-6490

Mortgage

Document Number	49770398
Date	Jul 26, 2017
Book Page	004977/000398
Instrument	79944

Lender

Name	PAUL N IHRIG
Address	280 S RONALD REAGAN BLVD # 200, LONGWOOD, FL 32750-5463

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 25, 2022

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Clermont City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$256,010 Land $100,000 Building $156,010	$445,582 Land $100,000 Building $345,582
2024	$3,545.00 (+2.04%)
2023	$3,474.00 (+3.18%) Homeowner's exemption	$241,560 (+3%)	$436,690 (+38.8%) Land $70,000 Building $366,690
2022	$3,367.00 Homeowner's exemption	$234,530	$314,625 Land $45,000 Building $269,625

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1831 Ridge Valley St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	6 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

Wildfire risk around 1831 Ridge Valley St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 275 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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