2872 Sandy Cay St, Clermont, FL 34711 Property Records

Lake County property record for 2872 Sandy Cay St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,570 sqft · built 2014
Lot Size	0.252 acres (10,966 sqft)
Owner	Company Name on File
Last Sale	$356,101 (Feb 2019)
Tax Bill	$4,863 (2024)
Deeds & Mortgages	Jul 2019 Line of Credit Mar 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-23-26-0100-000-12900`

Property Details

APN / Parcel Number

Primary APN	`03-23-26-0100-000-12900`
Alternative APNs	`262303010000012900` `3864628`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,570 sqft Living Area
Gross Area	3,159 sqft
1st Floor Area	2,570 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,966 sqft (0.252 acres)
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	859 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3864628
Street Address	2872 SANDY CAY ST
City	CLERMONT
State	FL
Zip	34711-5458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HERITAGE HILLS PHASE 1 PB 62 PG 6-10 LOT 129 ORB 5241 PG 1272 ORB 5446 PG 845
Legal Range	26E
Legal Township	23S
Legal Section	3
Legal Subdivision	HERITAGE HILLS PHASE 1
Legal Tract	A-H,J-O,R,
Legal Block	1
Legal Lot Number	129
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1018
Census Tract	31306

Owner

2872 Sandy Cay St is owned by a company that acquired it in March 2020 and is owner-occupied.

Source: Lake County records, as of November 26, 2025

Owner of Record	Company Name on File
Mailing Address	2872 SANDY CAY ST, CLERMONT, FL 34711-5458
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jul 23, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 27, 2019	Warranty Deed, Transfer METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2019 · Amount on File
Deed Sale	Feb 27, 2019 · Amount on File
Prior Sale	Dec 17, 2014 · Amount on File
Deed Document Number	201921981
Deed Book / Page	5241 / 1272
Last Transfer Date	Mar 11, 2020
Transfer Doc	0054460845
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2872 SANDY CAY ST, CLERMONT, FL 34711-5458
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053140607
Date	Jul 23, 2019
Book Page	5314/0607
Instrument	2019082154

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 11, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Mar 27, 2020
Property Address	2872 SANDY CAY ST, CLERMONT, FL 34711-5458
Document Number	0054460845
Book / Page	005446 / 000845
Instrument Date	Mar 11, 2020
Instrument	37225
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2872 SANDY CAY ST CLERMONT FL 347115458, CLERMONT, FL 34711-5458

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 27, 2019
Property Address	2872 SANDY CAY ST, CLERMONT, FL 34711-5458
Document Number	0052411272
Book / Page	005241 / 001272
Instrument Date	Feb 26, 2019
Instrument	21981
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE CO

Transaction

Amount	Amount on Record
Tax	$2,492.71
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2872 SANDY CAY ST CLERMONT FL 347115458, CLERMONT, FL 34711-5458

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$345,150 (+2.9%)	$466,378 (-) Land $150,000 Building $316,378
2025		$335,430 Land $150,000 Building $185,430	$466,378 Land $150,000 Building $316,378
2024	$4,863.00 (+1.89%)
2023	$4,773.00 (+3%) Homeowner's exemption	$316,490 (+3%)	$403,242 (+9.65%) Land $100,000 Building $303,242
2022	$4,634.00 Homeowner's exemption	$307,280	$367,742 Land $64,500 Building $303,242

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

Flood

FEMA maps place 2872 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 2872 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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