295 Division St, Clermont, FL 34711 Property Records

Lake County property record for 295 Division St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,181 sqft · built 1989
Lot Size	0.129 acres (5,645 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Jul 2020)
Tax Bill	$1,796 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-22-26-0025-000-02500`

Property Details

APN / Parcel Number

Primary APN	`18-22-26-0025-000-02500`
Alternative APN	`3259653`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 sqft Living Area
1st Floor Area	1,181 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,645 sqft (0.129 acres)
Garage Type	Finished
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	156 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3259653
Street Address	295 DIVISION ST
City	CLERMONT
State	FL
Zip	34711-7701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT CHERRY KNOLL LOT 25 PB 29 PGS 99-100 ORB 5507 PG 1241
Legal Range	26E
Legal Township	22S
Legal Section	18
Legal Subdivision	CHERRY KNOLL
Legal Tract	25
Legal Lot Number	25
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1048
Census Tract	31309

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	295 DIVISION ST, CLERMONT, FL 34711-7701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2020	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage CERTIFIED MORTGAGE PLANNERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Document Number	2020077605
Deed Book / Page	5507 / 1241
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 21, 2020
Property Address	295 DIVISION ST, CLERMONT, FL 34711-7701
Document Number	0055071241
Book / Page	005507 / 001241
Instrument Date	Jul 17, 2020
Instrument	77605
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	LP TITLE SERVICES LLC, LP TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,278.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	295 DIVISION ST CLERMONT FL 347117701, CLERMONT, FL 34711-7701

Mortgage

Document Number	55071242
Date	Jul 21, 2020
Book Page	005507/001242
Instrument	77606

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 20, 2019
Property Address	295 DIVISION ST, CLERMONT, FL 34711-7701
Document Number	0052820461
Book / Page	5282 / 0461
Map Reference	MB 29 PG 99
Instrument Date	May 15, 2019
Instrument	2019056324
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ADVANTAGE INTL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	295 DIVISION ST, 295, CLERMONT, FL 34711-7701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 DIVISION ST, CLERMONT, FL 34711-7701

Mortgage

Document Number	2019056325
Date	May 20, 2019
Instrument	2019056325

Lender

Name	CERTIFIED MORTGAGE PLANNERS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$150,520 (+5.99%) Land $67,500 Building $83,020	$239,709 (+22.24%) Land $67,500 Building $172,209
2024	$1,796.00 (+2.69%)
2023	$1,749.00 (+3.8%) Homeowner's exemption	$142,020 (+3%)	$196,101 (+18.06%) Land $67,500 Building $128,601
2022	$1,685.00 Homeowner's exemption	$137,890	$166,101 Land $37,500 Building $128,601

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

Flood

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 Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	8 (1995–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink, Hotwire Communications, Xfinity.

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