404 Cloverleaf Rd, Lake Placid, FL 33852 Property Records

Highlands County property record for 404 Cloverleaf Rd, Lake Placid, FL 33852

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,300 sqft · built 2006
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,951 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C-14-36-29-070-0000-0010`

Property Details

APN / Parcel Number

Primary APN	`C-14-36-29-070-0000-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,300 sqft Living Area
1st Floor Area	2,797 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	119,790 sqft (2.75 acres)
Garage Type	Finished
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	3,054 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	416 sqft
Porch	Open Porch
Porch Area	575 sqft
Deck Area	288 sqft
Patio Area	730 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	404 CLOVERLEAF RD
City	LAKE PLACID
State	FL
Zip	33852-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	FOUR LAKES PB 15 PG 128 ALL SUB(LOT 1) 2.75 ACRES
Legal Range	29E
Legal Township	36S
Legal Section	14
Legal Subdivision	FOUR LAKES
Legal Lot Number	1
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1016
Census Tract	961402

Owner

404 Cloverleaf Rd is owned and occupied by two individuals who acquired it in May 2004.

Source: Highlands County records, as of December 12, 2025

Owner of Record	2 Individual Names on File
Mailing Address	404 CLOVERLEAF RD, LAKE PLACID, FL 33852-8970
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2004
Deed Sale	May 13, 2004
Deed Document Number	1249063
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	404 CLOVERLEAF RD, LAKE PLACID, FL 33852-8970
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CLOVERLEAF RD, LAKE PLACID, FL 33852-8970

Mortgage

Document Number	0002289447
Date	Nov 26, 2025
Book Page	3159/878
Instrument	2289447

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$234,023	$418,140 Land $55,000 Building $363,140
2024	$2,951.00 (+2.36%)
2023	$2,883.00 (+1.48%) Homeowner's exemption	$220,804 (+3%)	$423,322 (+17.01%) Land $55,000 Building $368,322
2022	$2,841.00 Homeowner's exemption	$214,373	$361,792 Land $55,000 Building $306,792

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

Flood

FEMA maps place 404 Cloverleaf Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 404 Cloverleaf Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF LAKE PLACID serves 2,671 people · EPA ID FL6280286
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 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	14 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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