1860 Valley Ridge Loop, Clermont, FL 34711 Property Records

Lake County property record for 1860 Valley Ridge Loop, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	7 bd · 4 ba · 4,032 sqft · built 2004
Lot Size	0.34 acres (14,822 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Jul 2011)
Tax Bill	$4,338 (2024)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-22-26-1956-000-35900`

Property Details

APN / Parcel Number

Primary APN	`20-22-26-1956-000-35900`
Alternative APN	`3820035`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,032 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,822 sqft (0.34 acres)
Garage Type	Finished
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Porch
Porch Area	552 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3820035
Street Address	1860 VALLEY RIDGE LOOP
City	CLERMONT
State	FL
Zip	34711-5290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYRIDGE VALLEY PHASE III PB 50 PG 39-41 LOT 359 ORB 4054 PG 1618
Legal Range	26E
Legal Township	22S
Legal Section	20
Legal Subdivision	SKYRIDGE VALLEY
Legal Phase	3
Legal Tract	T-Y
Legal Lot Number	359
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1004
Census Tract	31320

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1860 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 26, 2019	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2011 · Amount on Record
Deed Sale	Jul 22, 2011 · Amount on Record
Prior Sale	Jul 22, 2011
Deed Document Number	2011068262
Deed Book / Page	4054 / 1618
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1860 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290

Mortgage

Document Number	0062601615
Date	Dec 21, 2023
Book Page	6260/1615
Instrument	2023154757

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1860 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053480559
Date	Sep 26, 2019
Book Page	5348/0559
Instrument	2019108933

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$303,830 (+5.99%) Land $112,000 Building $191,830	$577,198 (+1.65%) Land $112,000 Building $465,198
2024	$4,338.00 (+1.93%)
2023	$4,256.00 (+3.05%) Homeowner's exemption	$286,670 (+3%)	$567,835 (+34.52%) Land $78,400 Building $489,435
2022	$4,130.00 Homeowner's exemption	$278,320	$422,135 Land $50,400 Building $371,735

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
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

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

Wildfire Risk	Not rated no burnable land within 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 391 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: AT&T, Verizon.

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