2986 Inca Ave, Clermont, FL 34715 Property Records

Lake County property record for 2986 Inca Ave, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,604 sqft · built 2009
Lot Size	0.323 acres (14,091 sqft)
Owner	Owner Name on File
Last Sale	$157,900 (Oct 2009)
Tax Bill	$4,916 (2024)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-22-26-2200-000-19300`

Property Details

APN / Parcel Number

Primary APN	`15-22-26-2200-000-19300`
Alternative APN	`3841506`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,604 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,091 sqft (0.323 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3841506
Street Address	2986 INCA AVE
City	CLERMONT
State	FL
Zip	34715-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERDE RIDGE UNIT 1 PB 56 PG 35-41 LOT 193 ORB 3827 PG 2120
Legal Range	26E
Legal Township	22S
Legal Section	15
Legal Subdivision	VERDE RIDGE UNIT 1
Legal Tract	A-C,E-F
Legal Lot Number	193
Legal Unit	1
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1002
Census Tract	31321

Owner

The current owner of 2986 Inca Ave bought it in October 2009.

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

Owner of Record	Owner Name on File
Mailing Address	4290 CAPLOCK ST, CLERMONT, FL 34711-5061

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	Oct 8, 2009 · Amount on File
Deed Sale	Oct 8, 2009 · Amount on File
Deed Document Number	2009108852
Deed Book / Page	3827 / 2120
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2986 INCA AVE, CLERMONT, FL 34715-8000
Transaction Type	Mortgage
Record Updated	Jun 5, 2023
Title Company	LANDCASTLE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4290 CAPLOCK ST, CLERMONT, FL 34711-5061

Mortgage

Document Number	0061462396
Date	May 23, 2023
Book Page	6146/2396
Instrument	2023060821

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Index	Other
Max Rate	11.7%

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		$341,303 Land $120,000 Building $221,303	$341,303 Land $120,000 Building $221,303
2024	$4,916.00 (+7.81%)
2023	$4,560.00 (+6.87%)	$291,687 (+3.55%)	$291,687 (+3.55%) Land $70,000 Building $221,687
2022	$4,267.00	$281,687	$281,687 Land $60,000 Building $221,687

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

Flood

FEMA maps place 2986 Inca Ave in Zone X, an area of minimal flood risk.

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 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force

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 2986 Inca Ave 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20