10306 Toro Dr, Clermont, FL 34711 Property Records

Lake County property record for 10306 Toro Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 1999
Lot Size	0.288 acres (12,588 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Jul 2021)
Tax Bill	$5,083 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-26-0415-000-05100`

Property Details

APN / Parcel Number

Primary APN	`08-23-26-0415-000-05100`
Alternative APN	`3604971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	12,588 sqft (0.288 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3604971
Street Address	10306 TORO DR
City	CLERMONT
State	FL
Zip	34711-7209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND ADD TO VISTAS SUB LOT 51 PB 35 PGS 88-89 ORB 5762 PG 2278
Legal Range	26E
Legal Township	23S
Legal Section	08
Legal Subdivision	VISTAS
Legal Tract	415
Legal Lot Number	51
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	3
Census Block	3001
Census Tract	31316

Owner

10306 Toro Dr is owned and occupied by an individual who bought it in July 2021.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	10306 TORO DR, CLERMONT, FL 34711-7209
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage DAVID NAMENIUK ETUX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Oct 6, 2015 · Amount on File
Deed Document Number	2021105262
Deed Book / Page	5762 / 2278
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	10306 TORO DR, CLERMONT, FL 34711-7209
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10306 TORO DR, CLERMONT, FL 34711-7209

Mortgage

Document Number	0059152259
Date	Mar 14, 2022
Book Page	5915/2259
Instrument	2022035673

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 30, 2021
Property Address	10306 TORO DR, CLERMONT, FL 34711-7209
Document Number	0057622278
Book / Page	5762 / 2278
Map Reference	MB 35 PG 88&89
Instrument Date	Jul 28, 2021
Instrument	2021105262
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	NOT AVAILABLE, SUNWOOD TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 TYMBER CV, DELAND, FL 32724-4830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 LARGOVISTA DR, OAKLAND, FL 34787-8978

Mortgage

Document Number	0057622280
Date	Jul 30, 2021
Instrument	5762/2280

Lender

Name	DAVID NAMENIUK ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$336,661 Land $100,000 Building $236,661	$336,661 Land $100,000 Building $236,661
2024	$5,083.00 (+17.44%)
2023	$4,328.00 (+12.1%) Homeowner's exemption	$321,316 (+24.54%)	$321,316 (+24.54%) Land $100,000 Building $221,316
2022	$3,861.00	$257,993	$257,993 Land $43,000 Building $214,993

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

Flood

FEMA maps place 10306 Toro Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.

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 File median of 29 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	5 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims

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 10306 Toro Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	LAKE UTILITY SERVICES INC NORTH (8 WPS) public/private · serves 24,798 people · EPA ID FL3354883
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2021 Haloacetic acids resolved · Oct 2021
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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Summit Broadband, Verizon.

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