645 Rob Roy Dr, Clermont, FL 34711 Property Records

Lake County property record for 645 Rob Roy Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,753 sqft · built 2004
Lot Size	0.231 acres (10,055 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Aug 2021)
Tax Bill	$6,798 (2024)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-22-26-0076-000-08300`

Property Details

APN / Parcel Number

Primary APN	`19-22-26-0076-000-08300`
Alternative APNs	`262219007600008300` `3815621`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,753 sqft Living Area
Gross Area	5,173 sqft
1st Floor Area	2,165 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,055 sqft (0.231 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	342 sqft
Porch	Florida Room
Porch Area	257 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3815621
Street Address	645 ROB ROY DR
City	CLERMONT
State	FL
Zip	34711-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HIGHLANDER ESTATES TWO PB 48 PG 63-64 LOT 83 ORB 5778 PG 997
Legal Range	26E
Legal Township	22S
Legal Section	19
Legal Subdivision	HIGHLANDER ESTATES
Legal Tract	0076
Legal Lot Number	83
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1009
Census Tract	31312

Owner

645 Rob Roy Dr is owned and occupied by two individuals who bought it in August 2021.

Source: Lake County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit PENNYMAC LOAN SERVICES LLC
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Oct 8, 2019	Loan Modification, Mortgage · Conventional Mortgage SUN WEST MTG
Sep 30, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Prior Sale	Oct 18, 2013 · Amount on File
Deed Document Number	2021116107
Deed Book / Page	5778 / 997
Prior Transfer Date	Jul 12, 2017
Prior Transfer Doc	0049740274
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ROB ROY DR, CLERMONT, FL 34711-3801

Mortgage

Document Number	0061741524
Date	Jul 12, 2023
Book Page	6174/1524
Instrument	2023083448

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 24, 2021
Property Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Document Number	0057780997
Book / Page	5778 / 997
Map Reference	MB 48 PG 63
Instrument Date	Aug 20, 2021
Instrument	2021116107
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13900 COUNTY ROAD 455107364, CLERMONT, FL 34711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ROB ROY DR, CLERMONT, FL 34711-3801

Mortgage

Document Number	0005778998
Date	Aug 24, 2021
Instrument	5778/998

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Document Number	0053632327
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 ROB ROY DR CLERMONT FL 347113801, CLERMONT, FL 34711-3801

Mortgage

Document Number	0053632327
Date	Oct 28, 2019
Book Page	005363/002327
Instrument	121335

Lender

Name	SUN WEST MTG
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Interest

Rate	4.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Document Number	0053632334
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 ROB ROY DR CLERMONT FL 347113801, CLERMONT, FL 34711-3801

Mortgage

Document Number	0053632334
Date	Oct 28, 2019
Book Page	005363/002334
Instrument	121336

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Jul 19, 2017
Property Address	645 ROB ROY DR, CLERMONT, FL 34711-3801
Document Number	0049740274
Book / Page	004974 / 000274
Instrument Date	Jul 12, 2017
Instrument	77423
Transaction Type	Transfer
Record Updated	Aug 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 ROB ROY DR CLERMONT FL 347113801, CLERMONT, FL 34711-3801

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$465,240 (+2.9%)	$578,283 (-0.18%) Land $112,500 Building $465,783
2025		$452,130 Land $112,500 Building $339,630	$579,321 Land $112,500 Building $466,821
2024	$6,798.00 (+1.75%)
2023	$6,681.00 (+2.88%) Homeowner's exemption Additional exemption filed	$426,600 (+3%)	$581,239 (+21.55%) Land $52,500 Building $528,739
2022	$6,494.00 Homeowner's exemption Additional exemption filed	$414,182	$478,182 Land $34,500 Building $443,682

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

Flood

FEMA maps place 645 Rob Roy Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 645 Rob Roy Dr is low, with a 0.01% annual chance of 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	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 342 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

May also be available: AT&T, CenturyLink.

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