970 Nathan Ridge Rd, Clermont, FL 34715 Property Records

Lake County property record for 970 Nathan Ridge Rd, Clermont, FL 34715

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,822 sqft · built 2017
Lot Size	0.185 acres (8,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,990 (Aug 2017)
Tax Bill	$4,968 (2024)
Deeds & Mortgages	Jul 2023 Second Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-26-0150-000-18700`

Property Details

APN / Parcel Number

Primary APN	`15-22-26-0150-000-18700`
Alternative APN	`3897250`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,822 sqft Living Area
1st Floor Area	2,822 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,096 sqft (0.185 acres)
Garage Type	Finished
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3897250
Street Address	970 NATHAN RIDGE RD
City	CLERMONT
State	FL
Zip	34715-0022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND RANCH THE CANYONS PHASE 2 PB 67 PG 1-4 LOT 187 ORB 4990 PG 2214
Legal Section	15
Legal Subdivision	HIGHLAND RANCH THE CANYONS
Legal Phase	2
Legal Tract	150
Legal Lot Number	187
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1018
Census Tract	31319

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	2 Individual Names on Record
Mailing Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LENDING INC
Aug 23, 2017	Grant Deed, Transfer · Conventional with PMI TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	2017091201
Deed Book / Page	4990 / 2214
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022

Mortgage

Document Number	0061692192
Date	Jul 3, 2023
Book Page	6169/2192
Instrument	2023079637

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 3, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022

Mortgage

Document Number	0059760306
Date	Jun 16, 2022
Book Page	5976/306
Instrument	2022083453

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022

Mortgage

Document Number	0056550181
Date	Mar 3, 2021
Book Page	5655/181
Instrument	2021029151

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	RANCHO SANTA MARGARITA, CA 92688

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Aug 23, 2017
Property Address	970 NATHAN RIDGE RD, CLERMONT, FL 34715-0022
Document Number	0049902214
Book / Page	004990 / 002214
Instrument Date	Aug 21, 2017
Instrument	91201
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,421.00
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	970 NATHAN RIDGE RD CLERMONT FL 347150022, CLERMONT, FL 34715-0022

Mortgage

Document Number	49902216
Date	Aug 23, 2017
Book Page	004990/002216
Instrument	91202

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

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		$394,590 (+22.36%) Land $120,000 Building $274,590	$565,127 (+28.44%) Land $120,000 Building $445,127
2024	$4,968.00 (+1.87%)
2023	$4,877.00 (+3%) Homeowner's exemption	$322,480 (+3%)	$440,004 (+9.45%) Land $98,000 Building $342,004
2022	$4,735.00 Homeowner's exemption	$313,090	$402,004 Land $60,000 Building $342,004

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 25 policies
Nearby Flood Policies	25 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 442 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, Verizon.

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