653 Winding Lake Dr, Clermont, FL 34711 Property Records

Lake County property record for 653 Winding Lake Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,492 sqft · built 2005
Lot Size	0.459 acres (20,035 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jul 2018)
Tax Bill	$2,650 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-22-26-0400-000-01300`

Property Details

APN / Parcel Number

Primary APN	`19-22-26-0400-000-01300`
Alternative APN	`3817751`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,492 sqft Living Area
1st Floor Area	2,492 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	20,035 sqft (0.459 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	82 sqft
Deck Area	324 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3817751
Street Address	653 WINDING LAKE DR
City	CLERMONT
State	FL
Zip	34711-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST LAKE ESTATES PHASE I PB 49 PG 47-48 LOT 13 ORB 5142 PG 917
Legal Range	26E
Legal Township	22S
Legal Section	19
Legal Subdivision	EAST LAKE
Legal Phase	1
Legal Tract	A,B
Legal Lot Number	13
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1018
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
Co-owner	Co-owner on Record
Mailing Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 19, 2017	Grant Deed, Transfer LANDCASTLE TITLE LLC
Sep 19, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Dec 19, 2017 · Amount on Record
Deed Document Number	2018084262
Deed Book / Page	5142 / 0917
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654

Mortgage

Document Number	0056500484
Date	Feb 24, 2021
Book Page	5650/484
Instrument	2021025675

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 20, 2018
Property Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654
Document Number	0051420917
Book / Page	5142 / 0917
Map Reference	MB 49 PG 47&48
Instrument Date	Jul 18, 2018
Instrument	2018084262
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ALLIANCE TITLE SERVICES LTD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3984 LONGBOW DR, 3984, CLERMONT, FL 34711-7402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654

Mortgage

Document Number	2018084263
Date	Jul 20, 2018
Instrument	2018084263

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Dec 19, 2017
Property Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654
Document Number	0050422062
Book / Page	005042 / 002062
Instrument Date	Dec 8, 2017
Instrument	135318
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	LANDCASTLE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3984 LONGBOW DR CLERMONT FL 347117402, CLERMONT, FL 34711-7402

September 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	LAKE FL
Recording Date	Sep 19, 2017
Property Address	653 WINDING LAKE DR, CLERMONT, FL 34711-2654
Document Number	0049991021
Book / Page	004999 / 001021
Instrument Date	Aug 22, 2017
Instrument	98117
Transaction Type	Foreclosure
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,354.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 BARCLAY ST #8W NEW YORK NY 100072550, 8W, NEW YORK, NY 10007-2550

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		$202,040 (+5.98%) Land $161,000 Building $41,040	$454,918 (+43.51%) Land $161,000 Building $293,918
2024	$2,650.00 (+2.24%)
2023	$2,592.00 (+3.39%) Homeowner's exemption	$190,640 (+3%)	$317,001 (+0.85%) Land $49,358 Building $267,643
2022	$2,507.00 Homeowner's exemption	$185,090	$314,333 Land $46,690 Building $267,643

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 266 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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