3131 Effingham Dr, Clermont, FL 34714 Property Records

Lake County property record for 3131 Effingham Dr, Clermont, FL 34714

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,895 sqft · built 2004
Lot Size	0.189 acres (8,271 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Dec 2025)
Tax Bill	$4,722 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-24-26-1303-000-17700`

Property Details

APN / Parcel Number

Primary APN	`15-24-26-1303-000-17700`
Alternative APN	`3819762`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,895 sqft Living Area
1st Floor Area	1,895 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	8,271 sqft (0.189 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	34 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3819762
Street Address	3131 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 177 ORB 5345 PG 2106
Legal Range	26E
Legal Township	24S
Legal Section	15
Legal Subdivision	MISSION PARK PHASE
Legal Phase	3
Legal Tract	1303
Legal Lot Number	177
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1014
Census Tract	31324

Owner

3131 Effingham Dr is owned and occupied by an individual who bought it in December 2025.

Source: Lake County records, as of January 14, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3131 EFFINGHAM DRIVE, CLERMONT, FL 34714-6168
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

Date	Document
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC
Sep 24, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Sep 24, 2019 · Amount on File
Deed Document Number	2025157695
Deed Book / Page	6655 / 1998
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 30, 2025
Property Address	3131 EFFINGHAM DR, CLERMONT, FL 34714-6168
Document Number	0066551998
Book / Page	6655 / 1998
Map Reference	MB 50 PG 28&29
Instrument Date	Dec 23, 2025
Instrument	2025157695
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, MAGNOLIA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 ELDER AVENUE, MILLBRAE, CA 94030-2424

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3131 EFFIOGHAM DRIVE, CLERMONT, FL 34714-6168

Mortgage

Document Number	0066551999
Date	Dec 30, 2025
Instrument	6655/1999

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 24, 2019
Property Address	3131 EFFINGHAM DR, CLERMONT, FL 34714-6168
Document Number	0053452106
Book / Page	5345 / 2106
Map Reference	MB 50 PG 28&29
Instrument Date	Sep 16, 2019
Instrument	2019107214
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ALLIANCE TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3131 EFFINGHAM DR, 3131, CLERMONT, FL 34714-6168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 ELDER AVE, MILLBRAE, CA 94030-2424

Mortgage

Document Number	0053452107
Date	Sep 24, 2019
Instrument	5345/2107

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

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		$333,715 Land $79,500 Building $254,215	$333,715 Land $79,500 Building $254,215
2024	$4,722.00 (+8.73%)
2023	$4,343.00 (+19.74%)	$325,506 (+26.32%)	$325,506 (+26.32%) Land $79,500 Building $246,006
2022	$3,627.00	$257,690	$257,690 Land $47,300 Building $210,390

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

Flood

FEMA maps place 3131 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 3131 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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