2801 Silver Sands St, Clermont, FL 34711 Property Records

Lake County property record for 2801 Silver Sands St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,293 sqft · built 2012
Lot Size	0.258 acres (11,243 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2012)
Tax Bill	$3,515 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-23-26-0100-000-14500`

Property Details

APN / Parcel Number

Primary APN	`03-23-26-0100-000-14500`
Alternative APN	`3864644`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,293 sqft Living Area
1st Floor Area	2,293 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,243 sqft (0.258 acres)
Garage Type	Finished
Garage Area	591 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3864644
Street Address	2801 SILVER SANDS ST
City	CLERMONT
State	FL
Zip	34711-5465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE HILLS PHASE 1 PB 62 PG 6-10 LOT 145 ORB 4159 PG 352
Legal Range	26E
Legal Township	23S
Legal Section	03
Legal Subdivision	HERITAGE HILLS
Legal Phase	1
Legal Tract	A-R-1
Legal Lot Number	145
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1025
Census Tract	31306

Owner

2801 Silver Sands St is owned and occupied by an individual who bought it in May 2012.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2801 SILVER SANDS ST, CLERMONT, FL 34711-5465
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
Mar 19, 2019	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Jan 14, 2020	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2012 · Amount on File
Deed Sale	May 9, 2012 · Amount on File
Deed Document Number	2012048185
Deed Book / Page	4159 / 0352
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2801 SILVER SANDS ST, CLERMONT, FL 34711-5465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052501259
Date	Mar 19, 2019
Book Page	5250/1259
Instrument	2019029580

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45212

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2801 SILVER SANDS ST, CLERMONT, FL 34711-5465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054052038
Date	Jan 14, 2020
Book Page	5405/2038
Instrument	2020005546

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45212

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 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		$254,190 Land $150,000 Building $104,190	$437,108 Land $150,000 Building $287,108
2024	$3,515.00 (+2.03%)
2023	$3,445.00 (+3.21%) Homeowner's exemption	$239,840 (+3%)	$377,105 (+10.39%) Land $100,000 Building $277,105
2022	$3,338.00 Homeowner's exemption	$232,860	$341,605 Land $64,500 Building $277,105

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

Flood

FEMA maps place 2801 Silver Sands 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 50 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	4 (1995–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 2801 Silver Sands St is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.07% 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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