4346 Hammersmith Dr, Clermont, FL 34711 Property Records

Lake County property record for 4346 Hammersmith Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,706 sqft · built 1999
Lot Size	0.206 acres (8,987 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Mar 2024)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-26-2310-000-78200`

Property Details

APN / Parcel Number

Primary APN	`04-23-26-2310-000-78200`
Alternative APN	`3783564`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 sqft Living Area
1st Floor Area	1,706 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,987 sqft (0.206 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	312 sqft
Porch	Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3783564
Street Address	4346 HAMMERSMITH DR
City	CLERMONT
State	FL
Zip	34711-6995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLERMONT WELLINGTON AT KINGS RIDGE PHASE III LOT 782 PB 40 PGS 42-43 ORB 6294 PG 842
Legal Range	26E
Legal Township	23S
Legal Section	04
Legal Subdivision	CLERMONT
Legal Phase	3
Legal Tract	2310
Legal Lot Number	782
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1019
Census Tract	31308

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	Company Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage FBC MORTGAGE LLC
Dec 17, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 26, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 25, 2019	Deed of Trust, Mortgage · VA Mortgage FBC MORTGAGE LLC
Aug 13, 2018	Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC
Mar 21, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/NE GA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 5, 2024 · Amount on Record
Deed Sale	Mar 5, 2024 · Amount on Record
Prior Sale	Aug 13, 2018 · Amount on Record
Deed Document Number	2024025575
Deed Book / Page	6294 / 842
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 5, 2024
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Document Number	0062940842
Book / Page	6294 / 842
Map Reference	MB 40 PG 42&43
Instrument Date	Feb 23, 2024
Instrument	2024025575
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	LANDCASTLE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9316 PINE ISLAND RD, CLERMONT, FL 34711-8325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9200 TURNBERRY CT, NEW PORT RICHEY, FL 34655-1843

Mortgage

Document Number	0006294844
Date	Mar 5, 2024
Instrument	6294/844

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2034
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Max Rate	11.5%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 HAMMERSMITH DRIVE, CLERMONT, FL 34711

Mortgage

Document Number	0056562004
Date	Mar 5, 2021
Book Page	5656/2004
Instrument	2021030392

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995

Mortgage

Document Number	0058601071
Date	Dec 17, 2021
Book Page	5860/1071
Instrument	2021175061

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995

Mortgage

Document Number	0060841159
Date	Jan 26, 2023
Book Page	6084/1159
Instrument	2023009566

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053792439
Date	Nov 25, 2019
Book Page	5379/2439
Instrument	2019134008

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 13, 2018
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Document Number	0051531279
Book / Page	5153 / 1279
Map Reference	MB 40 PG 42&43
Instrument Date	Aug 9, 2018
Instrument	2018093861
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	METES AND BOUNDS TITLE COMPA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4349 HAMMERSMITH DR, 4349, CLERMONT, FL 34711-6992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995

Mortgage

Document Number	2018093862
Date	Aug 13, 2018
Instrument	2018093862

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4346 HAMMERSMITH DR, CLERMONT, FL 34711-6995
Document Number	0050861826
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4349 HAMMERSMITH DR CLERMONT FL 347116992, CLERMONT, FL 34711-6992

Mortgage

Document Number	0050861826
Date	Mar 29, 2018
Book Page	005086/001826
Instrument	35882

Lender

Name	SUNTRUST BK/NE GA
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Interest

Rate Type	Adjustable Rate

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		$298,056 (+39.49%) Land $100,000 Building $198,056	$298,056 (-5.99%) Land $100,000 Building $198,056
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$213,670	$317,049 Land $100,000 Building $217,049

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 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2012 · other causes

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35

May also be available: Boston Omaha, Lumen Technologies, Verizon.

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