389 Division St, Clermont, FL 34711 Property Records

Lake County property record for 389 Division St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,178 sqft · built 1989
Lot Size	0.107 acres (4,693 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Feb 2016)
Tax Bill	$1,231 (2024)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-22-26-0025-000-04800`

Property Details

APN / Parcel Number

Primary APN	`18-22-26-0025-000-04800`
Alternative APN	`3019156`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,178 sqft Living Area
1st Floor Area	1,178 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	4,693 sqft (0.107 acres)
Garage Type	Finished
Garage Area	401 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3019156
Street Address	389 DIVISION ST
City	CLERMONT
State	FL
Zip	34711-7703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT CHERRY KNOLL LOT 48 PB 29 PGS 99-100 ORB 4746 PG 217
Legal Range	26E
Legal Township	22S
Legal Section	18
Legal Subdivision	CHERRY KNOLL
Legal Tract	25
Legal Lot Number	48
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1048
Census Tract	31309

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	389 DIVISION ST, CLERMONT, FL 34711-7703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 7, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 29, 2016 · Amount on Record
Deed Sale	Feb 29, 2016 · Amount on Record
Deed Document Number	2016020681
Deed Book / Page	4746 / 0217
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	389 DIVISION ST, CLERMONT, FL 34711-7703
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 DIVISION ST, CLERMONT, FL 34711-7703

Mortgage

Document Number	0059870868
Date	Jul 7, 2022
Book Page	5987/868
Instrument	2022092695

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	389 DIVISION ST, CLERMONT, FL 34711-7703
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 DIVISION ST, CLERMONT, FL 34711-7703

Mortgage

Document Number	0061031385
Date	Mar 7, 2023
Book Page	6103/1385
Instrument	2023025760

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$121,590 (+5.98%) Land $67,500 Building $54,090	$242,792 (+22.41%) Land $67,500 Building $175,292
2024	$1,231.00 (+3.45%)
2023	$1,190.00 (-2.06%) Homeowner's exemption Widower's exemption	$114,730 (+3%)	$198,336 (+17.82%) Land $67,500 Building $130,836
2022	$1,215.00 Homeowner's exemption Widower's exemption	$111,390	$168,336 Land $37,500 Building $130,836

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	8 (1995–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CLERMONT EAST WATER SYSTEM (2 WPS) serves 39,279 people · EPA ID FL3354779
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink, Hotwire Communications, Xfinity.

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