3113 Effingham Dr, Clermont, FL 34714 Property Records

Lake County property record for 3113 Effingham Dr, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,673 sqft · built 2004
Lot Size	0.128 acres (5,596 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jun 2021)
Tax Bill	$3,562 (2024)
Deeds & Mortgages	Nov 2023 Second Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-24-26-1303-000-17200`

Property Details

APN / Parcel Number

Primary APN	`15-24-26-1303-000-17200`
Alternative APN	`3819757`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,673 sqft Living Area
1st Floor Area	1,673 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,596 sqft (0.128 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	336 sqft
Porch	Open Porch
Porch Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3819757
Street Address	3113 EFFINGHAM DR
City	CLERMONT
State	FL
Zip	34714-6168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MISSION PARK PHASE III PB 50 PG 28-29 LOT 172 ORB 5737 PG 148
Legal Range	26E
Legal Township	24S
Legal Section	15
Legal Subdivision	MISSION PARK PHASE
Legal Phase	3
Legal Tract	1303
Legal Lot Number	172
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1014
Census Tract	31324

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
Co-owner	Co-owner on Record
Mailing Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 24, 2021	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Apr 21, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Apr 21, 2017 · Amount on Record
Deed Document Number	2021086992
Deed Book / Page	5737 / 148
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168

Mortgage

Document Number	0062411707
Date	Nov 14, 2023
Book Page	6241/1707
Instrument	2023139155

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2033

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 24, 2021
Property Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168
Document Number	0057370148
Book / Page	5737 / 148
Map Reference	MB 50 PG 28&29
Instrument Date	Jun 1, 2021
Instrument	2021086992
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 LUNDY TER, BUTLER, NJ 07405-1926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168

Mortgage

Document Number	0005737150
Date	Jun 24, 2021
Instrument	5737/150

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 21, 2017
Property Address	3113 EFFINGHAM DR, CLERMONT, FL 34714-6168
Document Number	0049332403
Book / Page	004933 / 002403
Instrument Date	Apr 10, 2017
Instrument	43822
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3113 EFFINGHAM DR CLERMONT FL 347146168, CLERMONT, FL 34714-6168

Mortgage

Document Number	49332405
Date	Apr 21, 2017
Book Page	004933/002405
Instrument	43823

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$263,720 (+5.98%) Land $79,500 Building $184,220	$328,719 (+2.18%) Land $79,500 Building $249,219
2024	$3,562.00 (+7.97%)
2023	$3,299.00 (+7.7%) Homeowner's exemption Widower's exemption Additional exemption filed	$248,830 (+3%)	$321,703 (+27.62%) Land $79,500 Building $242,203
2022	$3,063.00 Homeowner's exemption Widower's exemption Additional exemption filed	$241,584	$252,084 Land $43,000 Building $209,084

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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	LAKE UTILITY SERVICES INC SOUTH private · serves 13,198 people · EPA ID FL3354881
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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