520 Arbor Pointe Ave, Minneola (Clermont), FL 34715 Property Records

Lake County property record for 520 Arbor Pointe Ave, Minneola, FL 34715

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 2010
Lot Size	0.179 acres (7,799 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,455 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-22-26-0010-000-09600`

Property Details

APN / Parcel Number

Primary APN	`08-22-26-0010-000-09600`
Alternative APNs	`262208001000009600` `3871672`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,298 sqft
1st Floor Area	1,784 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,799 sqft (0.179 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	266 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3871672
Street Address	520 ARBOR POINTE AVE
City	MINNEOLA
State	FL
Zip	34715-6046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT MINNEOLA PHASE 1 PB 63 PG 36-40 LOT 96 ORB 4065 PG 2016 ORB 4940 PG 2208 ORB 5681 PG 620
Legal Range	26E
Legal Township	22S
Legal Section	8
Legal Subdivision	RESERVE AT MINNEOLA PHASE 1
Legal Tract	1-5
Legal Block	3
Legal Lot Number	96
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3034
Census Tract	31309

Owner

Source: Lake County records, as of April 17, 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	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 7, 2021	Intrafamily Transfer, Transfer · VA Mortgage AAFMAA MORTGAGE LLC
May 5, 2017	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2021
Deed Sale	Apr 7, 2021
Prior Sale	Apr 1, 2017 · Amount on Record
Deed Document Number	202147144
Deed Book / Page	5681 / 620
Prior Transfer Date	Mar 24, 2021
Prior Transfer Doc	0056810620
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Apr 2, 2026
Property Address	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046
Document Number	0000040614
Book / Page	6712 / 2439
Instrument Date	Mar 25, 2026
Instrument	202640614
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046

Mortgage

Document Number	0000040614,
Date	Apr 2, 2026
Book Page	6712/2439
Instrument	202640614

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Apr 7, 2021
Property Address	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046
Document Number	0056810620
Book / Page	5681 / 620
Map Reference	MB 63 PG 36-40
Instrument Date	Mar 24, 2021
Instrument	2021047144
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046

Mortgage

Document Number	0005681623
Date	Apr 7, 2021
Instrument	5681/623

Lender

Name	AAFMAA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

May 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	May 5, 2017
Property Address	520 ARBOR POINTE AVE, MINNEOLA, FL 34715-6046
Document Number	0049402208
Book / Page	004940 / 002208
Instrument Date	Apr 19, 2017
Instrument	49387
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ARBOR POINTE AVE MINNEOLA FL 347156046, MINNEOLA, FL 34715-6046

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Minneola City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$186,510 (+2.9%)	$358,046 (-) Land $120,000 Building $238,046
2025		$181,260 (+5.98%) Land $120,000 Building $61,260	$358,046 (+4.29%) Land $120,000 Building $238,046
2024	$2,455.00 (+2.76%)
2023	$2,389.00 (+2.97%) Homeowner's exemption	$171,030 (+3%)	$343,325 (+12.45%) Land $98,000 Building $245,325
2022	$2,320.00 Homeowner's exemption	$166,050	$305,325 Land $60,000 Building $245,325

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 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.07% 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	MINNEOLA WATER DEPARTMENT (2 WPS) serves 20,605 people · EPA ID FL3350836
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 50

May also be available: CenturyLink, Hotwire Communications, Verizon.

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