232 Chestnut St, Clermont, FL 34711 Property Records

Lake County property record for 232 Chestnut St, Clermont, FL 34711

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	2 bd · 1 ba · 5,240 sqft · built 2020
Lot Size	0.45 acres (19,640 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Jan 2022)
Tax Bill	$19,038 (2024)
Deeds & Mortgages	Jan 2022 Sale & Line of Credit Feb 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-25-0100-017-00400`

Property Details

APN / Parcel Number

Primary APN	`24-22-25-0100-017-00400`
Alternative APN	`1611474`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	5,240 sqft Total Area
1st Floor Area	968 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	19,640 sqft (0.45 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Porch	Porch
Porch Area	80 sqft
Canopy	135 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1611474
Street Address	232 CHESTNUT ST
City	CLERMONT
State	FL
Zip	34711-3020
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal Description	CLERMONT PB 8 PG 17 LOTS 4 6 8 BLK 17 ORB 5869 PG 2329
Legal Range	25E
Legal Township	22S
Legal Section	24
Legal Subdivision	CLERMONT
Legal Tract	100
Legal Block	17
Legal Lot Number	4,6,8
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1004
Census Tract	31313

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	Company Name on Record
Mailing Address	3203 W ORANGE COUNTRY CLUB DR, WINTER GARDEN, FL 34787-5304
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Warranty Deed, Transfer · Line of Credit COGENT BANK
Feb 28, 2019	Quit Claim Deed, Transfer · Construction Mortgage SEACOAST NATIONAL BANK
Feb 28, 2019	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2022 · Amount on Record
Deed Sale	Jan 5, 2022 · Amount on Record
Prior Sale	Feb 28, 2019
Deed Document Number	2022001513
Deed Book / Page	5869 / 2329
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 5, 2022
Property Address	232 CHESTNUT ST, CLERMONT, FL 34711-3020
Document Number	0058692329
Book / Page	5869 / 2329
Map Reference	MB 8 PG 17-23
Instrument Date	Nov 30, 2021
Instrument	2022001513
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	EXPETITLE EXCHANGE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 TERRACE BLVD, ORLANDO, FL 32803-3223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 W ORANGE COUNTRY CLUB DR, WINTER GARDEN, FL 34787-5304

Mortgage

Document Number	0058692331
Date	Jan 5, 2022
Instrument	5869/2331

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Nov 30, 2033

Mortgage

Document Number	0058692340
Date	Jan 5, 2022
Book Page	5869/2340
Instrument	2022001515

Lender

Name	COGENT BANK
Type	Bank
Address	ORANGE CITY, FL 32763

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Feb 28, 2019
Property Address	232 CHESTNUT ST, CLERMONT, FL 34711-3020
Document Number	0052421235
Book / Page	5242 / 1235
Map Reference	MB 8 PG 17
Instrument Date	Feb 27, 2019
Instrument	2019022785
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 TERRACE BLVD, ORLANDO, FL 32803-3223

Mortgage

Document Number	2019022786
Date	Feb 28, 2019
Instrument	2019022786

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE FL
Recording Date	Feb 28, 2019
Property Address	232 CHESTNUT ST, CLERMONT, FL 34711-3020
Document Number	0052421233
Book / Page	005242 / 001233
Instrument Date	Jan 31, 2019
Instrument	22784
Record Updated	Mar 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1010 TERRACE BLVD ORLANDO FL 328033223, ORLANDO, FL 32803-3223

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		$1,114,895 (+1.66%) Land $215,647 Building $899,248	$1,114,895 (+1.66%) Land $215,647 Building $899,248
2024	$19,038.00 (+0.24%)
2023	$18,992.00 (+9.57%)	$1,096,668 (+10.12%)	$1,096,668 (+10.12%) Land $196,056 Building $900,612
2022	$17,333.00	$995,917	$995,917 Land $166,351 Building $829,566

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 254 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
Starlink Satellite	280 / 30

May also be available: CenturyLink, T-Mobile, Xfinity.

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