Lake County property record for 4203 Caplock St, Clermont, FL 34711
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,319 sqft · built 2017 |
| Lot Size | 0.276 acres (12,041 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,565 (Mar 2018) |
| Tax Bill | $5,995 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-26-0103-000-23200 |
| Primary APN | 10-23-26-0103-000-23200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,319 sqft Living Area |
| Gross Area | 3,760 sqft |
| 1st Floor Area | 1,681 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,041 sqft (0.276 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3901738 |
|---|---|
| Street Address | 4203 CAPLOCK ST |
| City | CLERMONT |
| State | FL |
| Zip | 34711-5063 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTERS RUN PHASE 3 PB 67 PG 86-88 LOT 232 ORB 5073 PG 1586 |
| Legal Range | 26E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | HUNTERS RUN PHASE 3 |
| Legal Tract | N,O,S,T,U |
| Legal Lot Number | 232 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | CLERMONT |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 31306 |
4203 Caplock St is owned and occupied by two individuals who bought it in March 2018.
Source: Lake County records, as of August 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4203 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| 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.
| Date | Document |
|---|---|
| Mar 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 1, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALATLANTIC MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2018 · Amount on File |
| Deed Sale | Mar 1, 2018 · Amount on File |
| Deed Document Number | 201823683 |
| Deed Book / Page | 5073 / 1586 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 4203 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4203 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| Document Number | 0060991206 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 6099/1206 |
| Instrument | 2023022551 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Mar 1, 2018 |
| Property Address | 4203 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| Document Number | 0050731586 |
| Book / Page | 5073 / 1586 |
| Map Reference | MB 67 PG 86 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 2018023683 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,699.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 W NEW ENGLAND AVE STE 200, 444, WINTER PARK, FL 32789-4376 |
| Name | Verified Name |
|---|---|
| Address | 4203 CAPLOCK ST, CLERMONT, FL 34711-5063 |
| Document Number | 2018023684 |
|---|---|
| Date | Mar 1, 2018 |
| Instrument | 2018023684 |
| Name | CALATLANTIC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
The 2025 property tax bill for 4203 Caplock St was $5,995 with a homeowner's exemption, up 0.8% from the year before.
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Clermont City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $412,450 (+2.9%) | $573,108 (-0.13%) Land $120,000 Building $453,108 | |
| 2025 | $5,995.00 (+0.81%) Homeowner's exemption | $400,830 Land $120,000 Building $280,830 | $573,866 Land $120,000 Building $453,866 |
| 2024 | $5,947.00 (+11.53%) | ||
| 2023 | $5,332.00 (+2.95%) Homeowner's exemption | $348,750 (+3%) | $530,074 (+31.49%) Land $120,000 Building $410,074 |
| 2022 | $5,179.00 Homeowner's exemption | $338,600 | $403,143 Land $64,500 Building $338,643 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4203 Caplock St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.
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 File median of 50 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 4 (1995–2017) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 4203 Caplock St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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