2891 Sandy Cay St, Clermont, FL 34711 Property Records

Lake County property record for 2891 Sandy Cay St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,443 sqft · built 2011
Lot Size	0.278 acres (12,119 sqft)
Owner	2 Individual Names on File
Last Sale	$234,100 (Nov 2011)
Tax Bill	$1,375 (2023)
Deeds & Mortgages	Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-23-26-0100-000-12300`

Property Details

APN / Parcel Number

Primary APN	`03-23-26-0100-000-12300`
Alternative APNs	`262303010000012300` `3864622`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,443 sqft Living Area
Gross Area	3,034 sqft
1st Floor Area	2,293 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,119 sqft (0.278 acres)
Garage Type	Attached
Garage Area	591 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	375 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3864622
Street Address	2891 SANDY CAY ST
City	CLERMONT
State	FL
Zip	34711-5459
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 123 ORB 4097 PG 1297 ORB 5840 PG 1210
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	123
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1014
Census Tract	31306

Owner

2891 Sandy Cay St is owned and occupied by two individuals who acquired it in November 2021.

Source: Lake County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2891 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	2 Names on Deed
Last Sale	Nov 28, 2011 · Amount on File
Deed Sale	Nov 28, 2011 · Amount on File
Deed Document Number	2011113342
Deed Book / Page	4097 / 1297
Last Transfer Date	Nov 9, 2021
Transfer Doc	0058401210
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Nov 18, 2021
Property Address	2891 SANDY CAY ST, CLERMONT, FL 34711-5459
Document Number	0058401210
Book / Page	5840 / 1210
Map Reference	MB 62 PG 6
Instrument Date	Nov 9, 2021
Instrument	2021160806
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2891 SANDY CAY ST, CLERMONT, FL 34711-5459

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		$266,090 (+2.7%)	$440,538 (-) Land $150,000 Building $290,538
2025		$259,100 Land $150,000 Building $109,100	$440,538 Land $150,000 Building $290,538
2023	$1,375.00 (+3.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$244,470 (+3%)	$379,007 (+10.33%) Land $100,000 Building $279,007
2022	$1,332.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$237,350	$343,507 Land $64,500 Building $279,007

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

Flood

FEMA maps place 2891 Sandy Cay St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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 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 2891 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.

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 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