Lake County property record for 1840 12th St, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,521 sqft · built 1972 |
| Lot Size | 0.414 acres (18,045 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Oct 2025) |
| Tax Bill | $2,012 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-22-25-0300-000-10300 |
| Primary APN | 26-22-25-0300-000-10300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,521 sqft Living Area |
| Gross Area | 2,041 sqft |
| 1st Floor Area | 1,521 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 18,045 sqft (0.414 acres) |
| Lot Dimensions | 125 ft deep x 155 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 460 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1621259 |
|---|---|
| Street Address | 1840 12TH ST |
| City | CLERMONT |
| State | FL |
| Zip | 34711-2947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | CLERMONT INDIAN HILLS FROM NE COR OF LOT 101 RUN N 110 FT TO A POINT ON THE E LINE OF LOT 103 AND THE POB. RUN N 145 FT W 125 FT S 145 FT E 125 FT TO POB PB 8 PG 86 ORB 6528 PG 769 |
| Legal Range | 25E |
| Legal Township | 22S |
| Legal Section | 26 |
| Legal Subdivision | CLERMONT INDIAN HILLS |
| Legal Tract | 0300 |
| Legal Lot Number | 101 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 31313 |
1840 12th St is owned and occupied by an individual who bought it in October 2025.
Source: Lake County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1840 12TH ST, CLERMONT, FL 34711-2947 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMWEST FUNDING CORP |
| Jul 24, 2020 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on File |
| Deed Sale | Oct 17, 2025 · Amount on File |
| Prior Sale | May 14, 2025 · Amount on File |
| Deed Document Number | 2025128688 |
| Deed Book / Page | 6616 / 1366 |
| Prior Transfer Date | Mar 3, 2003 |
| Prior Transfer Doc | 2271001832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 17, 2025 |
| Property Address | 1840 12TH ST, CLERMONT, FL 34711-2947 |
| Document Number | 0066161366 |
| Book / Page | 6616 / 1366 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 2025128688 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Title Company | EVERGREEN TITLE SERVICES LLC, EVERGREEN STLMT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10609 LAKE RALPH DR, CLERMONT, FL 34711-7868 |
| Name | Verified Name |
|---|---|
| Address | 1840 12TH ST, CLERMONT, FL 34711-2947 |
| Document Number | 0066161368 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 6616/1368 |
| Name | AMWEST FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 1840 12TH ST, CLERMONT, FL 34711-2947 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055101597 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 5510/1597 |
| Instrument | 2020079624 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1840 12th St was $2,012, up 1.3% from the year before.
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Clermont City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $352,062 (+117.31%) Land $135,000 Building $217,062 | $352,062 (-0.03%) Land $135,000 Building $217,062 | |
| 2025 | $2,012.00 (+1.31%) | $162,010 (+2.9%) Land $135,000 Building $27,010 | $352,167 (+0.63%) Land $135,000 Building $217,167 |
| 2024 | $1,986.00 (+2.53%) Homeowner's exemption | $157,450 (+3%) Land $135,000 Building $22,450 | $349,962 (+5.76%) Land $135,000 Building $214,962 |
| 2023 | $1,937.00 (+3.64%) Homeowner's exemption | $152,870 (+3%) | $330,913 (+29.36%) Land $150,000 Building $180,913 |
| 2022 | $1,869.00 Homeowner's exemption | $148,420 | $255,808 Land $75,000 Building $180,808 |
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.
FEMA maps place 1840 12th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.
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 File median of 43 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 4 (2017–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 1840 12th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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