195 Division St, Clermont, FL 34711 Property Records

Lake County property record for 195 Division St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,181 sqft · built 1989
Lot Size	0.125 acres (5,451 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Dec 2021)
Tax Bill	$1,041 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`18-22-26-0025-000-00900`

Property Details

APN / Parcel Number

Primary APN	`18-22-26-0025-000-00900`
Alternative APN	`3259629`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 sqft Living Area
1st Floor Area	1,181 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,451 sqft (0.125 acres)
Garage Type	Finished
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	156 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3259629
Street Address	195 DIVISION ST
City	CLERMONT
State	FL
Zip	34711-7700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT CHERRY KNOLL LOT 9 PB 29 PGS 99-100 ORB 5860 PG 1341
Legal Range	26E
Legal Township	22S
Legal Section	18
Legal Subdivision	CHERRY KNOLL
Legal Tract	25
Legal Lot Number	9
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1048
Census Tract	31309

Owner

195 Division St is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	195 DIVISION ST, CLERMONT, FL 34711-7700
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
Dec 17, 2021	Warranty Deed, Transfer · VA Mortgage FIRST HORIZON BANK
Mar 27, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Prior Sale	Mar 27, 2019 · Amount on File
Deed Document Number	2021175151
Deed Book / Page	5860 / 1341
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 17, 2021
Property Address	195 DIVISION ST, CLERMONT, FL 34711-7700
Document Number	0058601341
Book / Page	5860 / 1341
Map Reference	MB 29 PG 99&100
Instrument Date	Dec 13, 2021
Instrument	2021175151
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	LP TITLE SERVICES LLC, LP TITLE SERVICE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 DIVISION ST, CLERMONT, FL 34711-7700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 DIVISION ST, CLERMONT, FL 34711-7700

Mortgage

Document Number	0058601342
Date	Dec 17, 2021
Instrument	5860/1342

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 27, 2019
Property Address	195 DIVISION ST, CLERMONT, FL 34711-7700
Document Number	0052540362
Book / Page	005254 / 000362
Instrument Date	Mar 21, 2019
Instrument	32982
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 DIVISION ST CLERMONT FL 347117700, CLERMONT, FL 34711-7700

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		$110,180 Land $67,500 Building $42,680	$239,709 Land $67,500 Building $172,209
2024	$1,041.00 (+3.79%)
2023	$1,003.00 (-65.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$103,961 (-37.41%)	$196,101 (+18.06%) Land $67,500 Building $128,601
2022	$2,890.00	$166,101	$166,101 Land $37,500 Building $128,601

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.

Flood

FEMA maps place 195 Division St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	8 (1995–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 195 Division 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 98% of the US · lower than 97.6% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Hotwire Communications.

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