1878 Valley Ridge Loop, Clermont, FL 34711 Property Records

Lake County property record for 1878 Valley Ridge Loop, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,281 sqft · built 2004
Lot Size	0.303 acres (13,209 sqft)
Owner	Individual Name on Record
Last Sale	$156,000 (Feb 2014)
Tax Bill	$3,324 (2024)
Deeds & Mortgages	May 2018 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-22-26-1956-000-35600`

Property Details

APN / Parcel Number

Primary APN	`20-22-26-1956-000-35600`
Alternative APN	`3820032`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,281 sqft Living Area
1st Floor Area	1,361 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	13,209 sqft (0.303 acres)
Garage Type	Finished
Garage Area	669 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3820032
Street Address	1878 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 356 ORB 4446 PG 621
Legal Range	26E
Legal Township	22S
Legal Section	20
Legal Subdivision	SKYRIDGE VALLEY
Legal Phase	3
Legal Tract	T-Y
Legal Lot Number	356
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	1878 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage GTE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2014 · Amount on Record
Deed Sale	Feb 27, 2014 · Amount on Record
Prior Sale	Feb 27, 2014
Deed Document Number	2014022786
Deed Book / Page	4446 / 0621
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1878 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051171564
Date	May 30, 2018
Book Page	5117/1564
Instrument	2018062929

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1878 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 VALLEY RIDGE LOOP, CLERMONT, FL 34711-5290

Mortgage

Document Number	0055780647
Date	Nov 6, 2020
Book Page	5578/647
Instrument	2020125217

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

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		$242,650 (+5.98%) Land $100,000 Building $142,650	$427,809 (-4.19%) Land $100,000 Building $327,809
2024	$3,324.00 (+2.09%)
2023	$3,256.00 (+3.2%) Homeowner's exemption	$228,960 (+3%)	$446,516 (+38.6%) Land $70,000 Building $376,516
2022	$3,155.00 Homeowner's exemption	$222,300	$322,159 Land $45,000 Building $277,159

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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 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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