Lake County property record for 2888 Sandy Cay St, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,817 sqft · built 2015 |
| Lot Size | 0.239 acres (10,409 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Jun 2026) |
| Deeds & Mortgages | Jun 2026 Sale Sep 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-23-26-0100-000-12500 |
| Primary APN | 03-23-26-0100-000-12500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,817 sqft Living Area |
| Gross Area | 3,406 sqft |
| 1st Floor Area | 2,562 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 10,409 sqft (0.239 acres) |
| Garage Type | Attached |
| Garage Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 345 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 416 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3864624 |
|---|---|
| Street Address | 2888 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 125 ORB 5304 PG 1736 |
| 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 | 125 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 31306 |
2888 Sandy Cay St is owned and occupied by two individuals who bought it in June 2026.
Source: Lake County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer STEWART TITLE |
| Sep 27, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 3, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on File |
| Deed Sale | Jun 15, 2026 · Amount on File |
| Prior Sale | Jul 3, 2019 · Amount on File |
| Deed Document Number | 202673050 |
| Deed Book / Page | 6757 / 2067 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Document Number | 0000073050 |
| Book / Page | 6757 / 2067 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202673050 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $367,640.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Document Number | 0058020323 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 5802/323 |
| Instrument | 2021132859 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0055182421 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 5518/2421 |
| Instrument | 2020085224 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 96 Months |
| Due | Aug 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 3, 2019 |
| Property Address | 2888 SANDY CAY ST, CLERMONT, FL 34711-5458 |
| Document Number | 0053041736 |
| Book / Page | 005304 / 001736 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 74686 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,548.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8172 BIRCH DR RYE CO 810698809, RYE, CO 81069-8809 |
| Document Number | 53041737 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 005304/001737 |
| Instrument | 74687 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2049 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Clermont City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $365,700 (+2.9%) | $486,547 (-0.06%) Land $150,000 Building $336,547 | |
| 2025 | $355,400 Land $150,000 Building $205,400 | $486,818 Land $150,000 Building $336,818 | |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $335,330 | $425,873 Land $100,000 Building $325,873 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2888 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 |
|
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 risk around 2888 Sandy Cay St is low, with a 0.05% 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 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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