3126 Effingham Dr, Clermont, FL 34714 Property Records

Lake County property record for 3126 Effingham Dr, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,126 sqft · built 2004
Lot Size	0.167 acres (7,304 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Nov 2020)
Tax Bill	$3,701 (2024)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-24-26-1303-000-16700`

Property Details

APN / Parcel Number

Primary APN	`15-24-26-1303-000-16700`
Alternative APN	`3819752`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,126 sqft Living Area
1st Floor Area	2,126 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	7,304 sqft (0.167 acres)
Garage Type	Finished
Garage Area	160 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	364 sqft
Porch	Open Porch
Porch Area	219 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3819752
Street Address	3126 EFFINGHAM DR
City	CLERMONT
State	FL
Zip	34714-6167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MISSION PARK PHASE III PB 50 PG 28-29 LOT 167 ORB 5589 PG 1965
Legal Range	26E
Legal Township	24S
Legal Section	15
Legal Subdivision	MISSION PARK PHASE
Legal Phase	3
Legal Tract	1303
Legal Lot Number	167
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1020
Census Tract	31324

Owner

3126 Effingham Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3126 EFFINGHAM DR, CLERMONT, FL 34714-6167
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 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Prior Sale	Sep 23, 2004 · Amount on File
Deed Document Number	2020133429
Deed Book / Page	5589 / 1965
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 25, 2020
Property Address	3126 EFFINGHAM DR, CLERMONT, FL 34714-6167
Document Number	0055891965
Book / Page	5589 / 1965
Map Reference	MB 50 PG 28&29
Instrument Date	Nov 2, 2020
Instrument	2020133429
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3126 EFFINGHAM DR, CLERMONT, FL 34714-6167

Mortgage

Document Number	0055891967
Date	Nov 25, 2020
Instrument	5589/1967

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

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		$269,450 Land $79,500 Building $189,950	$369,717 Land $79,500 Building $290,217
2024	$3,701.00 (+7.68%)
2023	$3,437.00 (+7.41%) Homeowner's exemption	$254,240 (+3%)	$361,238 (+24.26%) Land $79,500 Building $281,738
2022	$3,200.00 Homeowner's exemption	$246,840	$290,707 Land $47,300 Building $243,407

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

Flood

FEMA maps place 3126 Effingham Dr 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
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

Wildfire risk around 3126 Effingham Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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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