1912 Vale Dr, Clermont, FL 34711 Property Records

Lake County property record for 1912 Vale Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,529 sqft · built 2002
Lot Size	0.223 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jun 2009)
Tax Bill	$1,933 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-22-26-1955-000-14400`

Property Details

APN / Parcel Number

Primary APN	`20-22-26-1955-000-14400`
Alternative APN	`3806740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,529 sqft Living Area
1st Floor Area	1,044 sqft

Exterior

Year Built	Built 2002
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3806740
Street Address	1912 VALE DR
City	CLERMONT
State	FL
Zip	34711-5178
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT SKYRIDGE VALLEY PHASE II SUB LOT 144 PB 45 PGS 46-48 ORB 3786 PG 172
Legal Range	26E
Legal Township	22S
Legal Section	20
Legal Subdivision	CLERMONT
Legal Phase	2
Legal Tract	1955
Legal Lot Number	144
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1007
Census Tract	31320

Owner

1912 Vale Dr is owned and occupied by an individual who bought it in June 2009.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1912 VALE DR, CLERMONT, FL 34711-5178
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
Feb 18, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 5, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Sep 25, 2020	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2009 · Amount on File
Deed Sale	Jun 24, 2009 · Amount on File
Prior Sale	Jun 10, 2008
Deed Document Number	2009067528
Deed Book / Page	3786 / 0172
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1912 VALE DR, CLERMONT, FL 34711-5178
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 VALE DR, CLERMONT, FL 34711-5178

Mortgage

Document Number	0066831752
Date	Feb 18, 2026
Book Page	6683/1752
Instrument	2026019511

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Dec 1, 2054

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1912 VALE DR, CLERMONT, FL 34711-5178
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 VALE DR, CLERMONT, FL 34711-5178

Mortgage

Document Number	0064251851
Date	Nov 5, 2024
Book Page	6425/1851
Instrument	2024129604

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1912 VALE DR, CLERMONT, FL 34711-5178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049300115
Date	Apr 14, 2017
Book Page	4930/0115
Instrument	2017040627

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1912 VALE DR, CLERMONT, FL 34711-5178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 VAIE DR, CLERMONT, FL 34711-5178

Mortgage

Document Number	0055501702
Date	Sep 25, 2020
Book Page	5550/1702
Instrument	2020106956

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

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		$158,820 Land $100,000 Building $58,820	$372,271 Land $100,000 Building $272,271
2024	$1,933.00 (+2.55%)
2023	$1,885.00 (+3.69%) Homeowner's exemption	$149,860 (+3%)	$358,912 (+26.86%) Land $70,000 Building $288,912
2022	$1,818.00 Homeowner's exemption	$145,500	$282,927 Land $45,000 Building $237,927

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

Flood

FEMA maps place 1912 Vale Dr 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 1912 Vale Dr is low, with a 0.03% annual chance of 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 95% 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 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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