3905 Westerham Dr, Clermont, FL 34711 Property Records

Lake County property record for 3905 Westerham Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,745 sqft · built 1998
Lot Size	0.174 acres (7,596 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jul 2025)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-26-0205-000-38700`

Property Details

APN / Parcel Number

Primary APN	`04-23-26-0205-000-38700`
Alternative APNs	`262304020500038700` `3775304`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area
Gross Area	2,281 sqft
1st Floor Area	1,745 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2023
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,596 sqft (0.174 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3775304
Street Address	3905 WESTERHAM DR
City	CLERMONT
State	FL
Zip	34711-6976
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CLERMONT BRIGHTON AT KINGS RIDGE PHASE II SUB LOT 387 PB 39 PGS 27-28 ORB 6564 PG 2359
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	387
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3020
Census Tract	31308

Owner

Source: Lake County records, as of October 13, 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 Record
Mailing Address	184 MORT HARRIS RD, LOUISBURG, NC 27549-9625
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 15, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2025 · Amount on Record
Deed Sale	Jul 18, 2025 · Amount on Record
Prior Sale	Mar 10, 2023 · Amount on Record
Deed Document Number	202588593
Deed Book / Page	6564 / 2359
Prior Transfer Date	Dec 15, 2020
Prior Transfer Doc	0056020667
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 10, 2023
Property Address	3905 WESTERHAM DR, CLERMONT, FL 34711-6976
Document Number	0061050635
Book / Page	6105 / 635
Map Reference	MB 39 PG 27
Instrument Date	Mar 8, 2023
Instrument	2023027209
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601 HOOKS ST, CLERMONT, FL 34711-3510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4367 SAMBOURNE ST, CLERMONT, FL 34711-5236

Mortgage

Document Number	0006105637
Date	Mar 10, 2023
Instrument	6105/637

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

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

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Dec 16, 2020
Property Address	3905 WESTERHAM DR, CLERMONT, FL 34711-6976
Document Number	0056020667
Book / Page	005602 / 000667
Instrument Date	Dec 15, 2020
Instrument	141690
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3905 WESTERHAM DR CLERMONT FL 347116976, CLERMONT, FL 34711-6976

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE FL
Recording Date	Jun 15, 2017
Property Address	3905 WESTERHAM DR, CLERMONT, FL 34711-6976
Document Number	0049590988
Book / Page	004959 / 000988
Instrument Date	Jun 15, 2017
Instrument	65111
Transaction Type	Foreclosure
Record Updated	Jul 12, 2017

Transaction

Amount	Amount Recorded
Tax	$888.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$261,025 (+63.05%) Land $75,000 Building $186,025	$261,025 (-10.81%) Land $75,000 Building $186,025
2025	$1,980.00 (+1.33%)	$160,090 (+13.23%) Land $100,000 Building $60,090	$292,669 (-4.18%) Land $100,000 Building $192,669
2024	$1,954.00 (+56.82%)
2023	$1,246.00 (-1.11%)	$141,390 (+2.99%)	$305,421 (+10.89%) Land $100,000 Building $205,421
2022	$1,260.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$137,280	$275,421 Land $70,000 Building $205,421

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.

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
Nearby Flood Policies	7 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: CenturyLink, Verizon.

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