431 2nd St, Clermont, FL 34711 Property Records

Lake County property record for 431 2nd St, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,178 sqft · built 1955
Lot Size	0.181 acres (7,910 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (May 2023)
Tax Bill	$3,229 (2024)
Deeds & Mortgages	Feb 2023 Construction Loan May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-25-0400-001-01000`

Property Details

APN / Parcel Number

Primary APN	`24-22-25-0400-001-01000`
Alternative APN	`1627885`

Interior

Bedrooms	3 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 1955
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Tar & Gravel
Lot Area	7,910 sqft (0.181 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	36 sqft
Utility Building	179 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1627885
Street Address	431 2ND ST
City	CLERMONT
State	FL
Zip	34711-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT SUNSET HEIGHTS LOT 10 BLK 1--LESS W 85 FT OF N 4 FT--PB 5 PG 42 CLERMONT N 10 FT OF W 1/2 OF LOT 9 N 10 FT OF LOT 10
Legal Range	25E
Legal Township	22S
Legal Section	24
Legal Subdivision	CLERMONT
Legal Tract	400
Legal Block	1
Legal Lot Number	9-10
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	2
Census Block	2041
Census Tract	31312

Owner

Source: Lake County records, as of December 15, 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 Record
Mailing Address	431 2ND ST, CLERMONT, FL 34711-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
May 10, 2023	Special Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Mar 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage KIAVI FUNDING INC
Jan 4, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Prior Sale	Mar 10, 2022 · Amount on Record
Deed Document Number	2023055154
Deed Book / Page	6139 / 2485
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	431 2ND ST, CLERMONT, FL 34711-2301
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7208 HALF MOON LAKE DR, WINTER GARDEN, FL 34787-0082

Mortgage

Document Number	0060870972
Date	Feb 1, 2023
Book Page	6087/972
Instrument	2023012217

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 10, 2023
Property Address	431 2ND ST, CLERMONT, FL 34711-2301
Document Number	0061392485
Book / Page	6139 / 2485
Map Reference	MB 5 PG 42
Instrument Date	May 9, 2023
Instrument	2023055154
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	GPN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7208 HALF MOON LAKE DR, WINTER GARDEN, FL 34787-0082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 2ND ST, CLERMONT, FL 34711-2301

Mortgage

Document Number	0061392488
Date	May 10, 2023
Instrument	6139/2488

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 10, 2022
Property Address	431 2ND ST, CLERMONT, FL 34711-2301
Document Number	0059131630
Book / Page	5913 / 1630
Map Reference	MB 5 PG 42
Instrument Date	Feb 25, 2022
Instrument	2022033870
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,487.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3208 E COLONIAL DR # 326, 326, ORLANDO, FL 32803-5127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7208 HALF MOON LAKE DR, WINTER GARDEN, FL 34787-0082

Mortgage

Document Number	0059131632
Date	Mar 10, 2022
Instrument	5913/1632

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 4, 2022
Property Address	431 2ND ST, CLERMONT, FL 34711-2301
Document Number	0058681788
Book / Page	5868 / 1788
Map Reference	MB 5 PG 42
Instrument Date	Dec 17, 2021
Instrument	2022000780
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 2ND ST, CLERMONT, FL 34711-2301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 E COLONIAL DR, ORLANDO, FL 32803-5127
Investor	Possibly a Property Investor

Mortgage

Document Number	0058681793
Date	Jan 4, 2022
Instrument	5868/1793

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$189,236 (+2.23%) Land $60,000 Building $129,236	$189,236 (+2.23%) Land $60,000 Building $129,236
2024	$3,229.00 (+0.69%)
2023	$3,207.00 (+18.82%)	$185,107 (+19.34%)	$185,107 (+19.34%) Land $60,000 Building $125,107
2022	$2,699.00	$155,107	$155,107 Land $30,000 Building $125,107

Assessed value is set for property tax purposes, not a market price estimate; it is 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	4 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 98% of the US · lower than 97.6% 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 254 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, T-Mobile, Xfinity.

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