2871 Sandy Cay St, Clermont, FL 34711 Property Records

Lake County property record for 2871 Sandy Cay St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,592 sqft · built 2013
Lot Size	0.257 acres (11,198 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Sep 2025)
Tax Bill	$3,775 (2024)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-23-26-0100-000-11800`

Property Details

APN / Parcel Number

Primary APN	`03-23-26-0100-000-11800`
Alternative APN	`3864617`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,592 sqft Living Area
1st Floor Area	2,592 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,198 sqft (0.257 acres)
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	527 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3864617
Street Address	2871 SANDY CAY ST
City	CLERMONT
State	FL
Zip	34711-5459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE HILLS PHASE 1 PB 62 PG 6-10 LOT 118 ORB 4414 PG 2025
Legal Range	26E
Legal Township	23S
Legal Section	03
Legal Subdivision	HERITAGE HILLS
Legal Phase	1
Legal Tract	A-R-1
Legal Lot Number	118
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1014
Census Tract	31306

Owner

2871 Sandy Cay St is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2871 SANDY CAY ST, CLERMONT, FL 34711-5459
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Dec 11, 2013 · Amount on File
Deed Document Number	2025111756
Deed Book / Page	6594 / 659
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 10, 2025
Property Address	2871 SANDY CAY ST, CLERMONT, FL 34711-5459
Document Number	0065940659
Book / Page	6594 / 659
Map Reference	MB 62 PG 6
Instrument Date	Sep 5, 2025
Instrument	2025111756
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33393 DOUGLAS AVE SE, BLACK DIAMOND, WA 98010-5173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2871 SANDY CAY ST, CLERMONT, FL 34711-5459

Mortgage

Document Number	0065940661
Date	Sep 10, 2025
Book Page	6594/661
Instrument	2025111757

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

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		$269,850 (+2.9%) Land $150,000 Building $119,850	$464,291 (+0.58%) Land $150,000 Building $314,291
2024	$3,775.00 (+2%) Homeowner's exemption	$262,250 (+3%) Land $150,000 Building $112,250	$461,632 (+14.92%) Land $150,000 Building $311,632
2023	$3,701.00 (+3.15%) Homeowner's exemption	$254,620 (+3%)	$401,716 (+9.69%) Land $100,000 Building $301,716
2022	$3,588.00 Homeowner's exemption	$247,210	$366,216 Land $64,500 Building $301,716

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

Flood

FEMA maps place 2871 Sandy Cay 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 2871 Sandy Cay 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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