10542 Cedar Forest Cir, Clermont, FL 34711 Property Records

Lake County property record for 10542 Cedar Forest Cir, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,051 sqft · built 2004
Lot Size	0.251 acres (10,952 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (May 2017)
Tax Bill	$2,979 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-23-25-2306-000-06900`

Property Details

APN / Parcel Number

Primary APN	`11-23-25-2306-000-06900`
Alternative APNs	`252311230600006900` `3818939`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,051 sqft Living Area
Gross Area	2,451 sqft
1st Floor Area	1,941 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,952 sqft (0.251 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	361 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3818939
Street Address	10542 CEDAR FOREST CIR
City	CLERMONT
State	FL
Zip	34711-6151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WINDSCAPE PHASE III PB 49 PG 95-97 LOT 69 ORB 4951 PG 1087
Legal Range	25E
Legal Township	23S
Legal Section	11
Legal Subdivision	WINDSCAPE PHASE III
Legal Tract	2306
Legal Lot Number	69
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1002
Census Tract	31323

Owner

10542 Cedar Forest Cir is owned and occupied by two individuals who bought it in May 2017.

Source: Lake County records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
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
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
May 31, 2017	Warranty Deed, Transfer · VA Mortgage RESIDENTIAL HOME FUNDING CORP
Apr 10, 2008	Loan Modification, Mortgage · Conventional with PMI FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Jul 9, 2012 · Amount on File
Deed Document Number	201758608
Deed Book / Page	4951 / 1087
Prior Transfer Date	Jun 29, 2012
Prior Transfer Doc	0041840159
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Aug 12, 2026
Property Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
Document Number	0000099661
Book / Page	6794 / 1608
Instrument Date	Aug 6, 2026
Instrument	202699661
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151

Mortgage

Document Number	0000099661,
Date	Aug 12, 2026
Book Page	6794/1608
Instrument	202699661

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 31, 2017
Property Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
Document Number	0049511087
Book / Page	4951 / 1087
Map Reference	MB 49 PG 95-97
Instrument Date	May 23, 2017
Instrument	2017058608
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	896 RYAN LN SW, 896, LILBURN, GA 30047-6642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151

Mortgage

Document Number	2017058609
Date	May 31, 2017
Instrument	2017058609

Lender

Name	RESIDENTIAL HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

April 2008: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	10542 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
Document Number	0051221670
Instrument Date	Apr 10, 2008
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10542 CEDAR FOREST CIR CLERMONT FL 347116151, CLERMONT, FL 34711-6151

Mortgage

Document Number	0051221670
Date	Jun 8, 2018
Book Page	005122/001670
Instrument	66927

Lender

Name	FIRSTBANK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 10542 Cedar Forest Cir was $2,979 with a homeowner's exemption, up 2.7% from the year before.

Source: Lake County assessment roll, as of November 26, 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
2026		$212,810 (+2.9%)	$336,074 (-) Land $90,000 Building $246,074
2025	$2,979.00 (+2.72%) Homeowner's exemption	$206,820 Land $90,000 Building $116,820	$336,074 Land $90,000 Building $246,074
2024	$2,900.00 (+9.35%)
2023	$2,652.00 (+8.96%) Homeowner's exemption	$195,150 (+3%)	$286,688 (-) Land $49,200 Building $237,488
2022	$2,434.00 Homeowner's exemption	$189,470	$286,688 Land $49,200 Building $237,488

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

Flood

FEMA maps place 10542 Cedar Forest Cir 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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 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 10542 Cedar Forest Cir is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 146 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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