3819 Westerham Dr, Clermont, FL 34711 Property Records

Lake County property record for 3819 Westerham Dr, Clermont, FL 34711 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,465 sqft · built 1998
Lot Size	0.119 acres (5,188 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2024)
Tax Bill	$1,486 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-26-0205-000-37900`

Property Details

APN / Parcel Number

Primary APN	`04-23-26-0205-000-37900`
Alternative APNs	`262304020500037900` `3775233`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,465 sqft Living Area
Gross Area	1,973 sqft
1st Floor Area	1,465 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,188 sqft (0.119 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3775233
Street Address	3819 WESTERHAM DR
City	CLERMONT
State	FL
Zip	34711-6950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT BRIGHTON AT KINGS RIDGE PHASE II SUB LOT 379 PB 39 PGS 27-28 ORB 6436 PG 715
Legal Range	26E
Legal Township	23S
Legal Section	4
Legal Subdivision	CLERMONT BRIGHTON AT KINGS RIDGE PHASE I
Legal Tract	0205
Legal Block	3
Legal Lot Number	379
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3020
Census Tract	31308

Owner

Source: Lake County records · APN 04-23-26-0205-000-37900

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 03, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND
Apr 02, 2018	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 26, 2024 · Amount on Record
Deed Sale	Nov 26, 2024 · Amount on Record
Prior Sale	Jun 05, 1998 · Amount on Record
Deed Document Number	2024138309
Deed Book / Page	6436 / 715
Prior Transfer Date	Mar 21, 2018
Prior Transfer Doc	0050881552
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950

Mortgage

Document Number	0066420785
Date	Dec 03, 2025
Book Page	6642/785
Instrument	2025147820

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2055

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950
Document Number	0054290421
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3819 WESTERHAM DR CLERMONT FL 347116950, CLERMONT, FL 34711-6950

Mortgage

Document Number	0054290421
Date	Feb 27, 2020
Book Page	005429/000421
Instrument	24704

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	Feb 26, 2089

Interest

Rate Type	Adjustable Rate
Rate	3.66%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950
Document Number	0054290403
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3819 WESTERHAM DR CLERMONT FL 347116950, CLERMONT, FL 34711-6950

Mortgage

Document Number	0054290403
Date	Feb 27, 2020
Book Page	005429/000403
Instrument	24703

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, MI 48334

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	Feb 26, 2089

Interest

Rate Type	Adjustable Rate
Rate	3.66%

April 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	LAKE FL
Recording Date	Apr 02, 2018
Property Address	3819 WESTERHAM DR, CLERMONT, FL 34711-6950
Document Number	0050881552
Book / Page	005088 / 001552
Instrument Date	Mar 21, 2018
Instrument	37414
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	FNC TITLE SERVICES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3819 WESTERHAM DR CLERMONT FL 347116950, CLERMONT, FL 34711-6950

Mortgage

Document Number	50881554
Date	Apr 02, 2018
Book Page	005088/001554
Instrument	37415

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Apr 01, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.8%

Mortgage

Document Number	50881570,
Date	Apr 02, 2018
Book Page	005088/001570
Instrument	37416

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Apr 01, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.8%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,170 (-) Land $100,000 Building $169,170	$269,170 (-) Land $100,000 Building $169,170
2025	$1,486.00 (-5.17%)	$269,170 (+108.61%) Land $100,000 Building $169,170	$269,170 (-4.02%) Land $100,000 Building $169,170
2024	$1,567.00 (+2.82%)
2023	$1,524.00 (+3.96%) Homeowner's exemption	$129,030 (+2.99%)	$280,445 (+11.98%) Land $100,000 Building $180,445
2022	$1,466.00 Homeowner's exemption	$125,280	$250,445 Land $70,000 Building $180,445

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690313083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 519 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

May also be available at this address: Verizon, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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