654 Villa Ct, Clermont, FL 34711 Property Records

Lake County property record for 654 Villa Ct, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,145 sqft · built 1998
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Sep 2018)
Tax Bill	$1,747 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-22-26-1900-000-04700`

Property Details

APN / Parcel Number

Primary APN	`19-22-26-1900-000-04700`
Alternative APNs	`262219190000004700` `3776105`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,145 sqft Living Area
Gross Area	1,490 sqft
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	3,500 sqft (0.08 acres)
Garage Type	Attached
Garage Area	345 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3776105
Street Address	654 VILLA CT
City	CLERMONT
State	FL
Zip	34711-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	CLERMONT SOUTHERN VILLAS SUB LOT 47 PB 38 PGS 91-92 ORB 5176 PG 391
Legal Range	26E
Legal Township	22S
Legal Section	19
Legal Subdivision	CLERMONT SOUTHERN VILLAS SUB
Legal Tract	1900
Legal Lot Number	47
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1004
Census Tract	31312

Owner

654 Villa Ct is owned and occupied by an individual who bought it in September 2018.

Source: Lake County records, as of July 6, 2026

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	Individual Name on File
Mailing Address	654 VILLA CT, CLERMONT, FL 34711-2443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 27, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on File
Deed Sale	Sep 27, 2018 · Amount on File
Prior Sale	Oct 24, 2002 · Amount on File
Deed Document Number	2018114084
Deed Book / Page	5176 / 391
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	654 VILLA CT, CLERMONT, FL 34711-2443
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 VILLA CT, CLERMONT, FL 34711-2443

Mortgage

Document Number	0062550238
Date	Dec 11, 2023
Book Page	6255/238
Instrument	2023150037

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	654 VILLA CT, CLERMONT, FL 34711-2443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054440871
Date	Mar 25, 2020
Book Page	5444/871
Instrument	2020035914

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 27, 2018
Property Address	654 VILLA CT, CLERMONT, FL 34711-2443
Document Number	0051760391
Book / Page	5176 / 0391
Map Reference	MB 38 PG 91
Instrument Date	Sep 10, 2018
Instrument	2018114084
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	PROMINENCE TITLE & ESCROW LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1496 COUNTY ROAD 232A, 1496, WILDWOOD, FL 34785-8539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 VILLA CT, CLERMONT, FL 34711-2443

Mortgage

Document Number	2018114085
Date	Sep 27, 2018
Instrument	2018114085

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 654 Villa Ct was $1,747 with a homeowner's exemption, up 1.4% from the year before.

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		$150,340 (+2.9%)	$214,058 (-) Land $78,750 Building $135,308
2025	$1,747.00 (+1.39%) Homeowner's exemption	$146,110 Land $78,750 Building $67,360	$214,058 Land $78,750 Building $135,308
2024	$1,723.00 (+2.74%)
2023	$1,677.00 (+3.84%) Homeowner's exemption	$137,870 (+3%)	$209,496 (+20.06%) Land $78,750 Building $130,746
2022	$1,615.00 Homeowner's exemption	$133,860	$174,496 Land $43,750 Building $130,746

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

Flood

FEMA maps place 654 Villa Ct 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 654 Villa Ct is low, with less than 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 99.1% of the US · lower than 98.7% 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 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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