3130 Effingham Dr, Clermont, FL 34714 Property Records

Lake County property record for 3130 Effingham Dr, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,076 sqft · built 2004
Lot Size	0.272 acres (11,882 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Oct 2009)
Tax Bill	$2,345 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-24-26-1303-000-16600`

Property Details

APN / Parcel Number

Primary APN	`15-24-26-1303-000-16600`
Alternative APN	`3819751`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	2,076 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	11,882 sqft (0.272 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	242 sqft
Porch	Open Porch
Porch Area	181 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3819751
Street Address	3130 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 166 ORB 3829 PG 2199
Legal Range	26E
Legal Township	24S
Legal Section	15
Legal Subdivision	MISSION PARK PHASE
Legal Phase	3
Legal Tract	1303
Legal Lot Number	166
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1020
Census Tract	31324

Owner

Source: Lake County assessment roll, as of July 1, 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 File
Mailing Address	3130 EFFINGHAM DR, CLERMONT, FL 34714-6167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NORTHERN MICHIGAN
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Jan 24, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2009 · Amount on Record
Deed Sale	Oct 14, 2009 · Amount on Record
Prior Sale	Jul 8, 2009
Deed Document Number	2009110765
Deed Book / Page	3829 / 2199
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3130 EFFINGHAM DR, CLERMONT, FL 34714-6167
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 EFFINGHAM DR, CLERMONT, FL 34714-6167

Mortgage

Document Number	0062420612
Date	Nov 15, 2023
Book Page	6242/612
Instrument	2023139623

Lender

Name	FIFTH THIRD BANK NORTHERN MICHIGAN
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 25, 2053

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3130 EFFINGHAM DR, CLERMONT, FL 34714-6167
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053070884
Date	Jul 10, 2019
Book Page	5307/0884
Instrument	2019076699

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2029

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3130 EFFINGHAM DR, CLERMONT, FL 34714-6167
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054102112
Date	Jan 24, 2020
Book Page	5410/2112
Instrument	2020009607

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2049

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		$163,420 (+5.98%) Land $79,500 Building $83,920	$369,725 (+2.38%) Land $79,500 Building $290,225
2024	$2,345.00 (+11.24%)
2023	$2,108.00 (+10.77%) Homeowner's exemption	$154,200 (+3%)	$361,119 (+23.7%) Land $79,500 Building $281,619
2022	$1,903.00 Homeowner's exemption	$149,710	$291,930 Land $49,450 Building $242,480

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

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 USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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