10554 Cedar Forest Cir, Clermont, FL 34711 Property Records

Lake County property record for 10554 Cedar Forest Cir, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,795 sqft · built 2003
Lot Size	0.287 acres (12,482 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Nov 2017)
Tax Bill	$2,892 (2024)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-23-25-2306-000-06600`

Property Details

APN / Parcel Number

Primary APN	`11-23-25-2306-000-06600`
Alternative APNs	`252311230600006600` `3818936`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,795 sqft Living Area
Gross Area	2,537 sqft
1st Floor Area	1,795 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,482 sqft (0.287 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	347 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3818936
Street Address	10554 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 66 ORB 5021 PG 2337
Legal Range	25E
Legal Township	23S
Legal Section	11
Legal Subdivision	WINDSCAPE PHASE III
Legal Tract	2306
Legal Lot Number	66
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1002
Census Tract	31323

Owner

10554 Cedar Forest Cir is owned and occupied by two individuals who bought it in November 2017.

Source: Lake County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10554 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
Apr 11, 2024	Deed of Trust, Mortgage · Line of Credit INSIGHT CU
Nov 3, 2017	Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2017 · Amount on File
Deed Sale	Nov 3, 2017 · Amount on File
Prior Sale	Jul 29, 2016 · Amount on File
Deed Document Number	2017117370
Deed Book / Page	5021 / 2337
Prior Transfer Date	Jul 23, 2016
Prior Transfer Doc	0048131217
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	10554 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10554 CEDAR FOREST CIR, CLERMONT, FL 34711-6151

Mortgage

Document Number	0063142131
Date	Apr 11, 2024
Book Page	6314/2131
Instrument	2024041989

Lender

Name	INSIGHT CU
Type	Credit Union
Address	WINTER SPRINGS, FL 32708

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 3, 2017
Property Address	10554 CEDAR FOREST CIR, CLERMONT, FL 34711-6151
Document Number	0050212337
Book / Page	5021 / 2337
Map Reference	MB 49 PG 95
Instrument Date	Oct 31, 2017
Instrument	2017117370
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10925 VERSAILLES BLVD, 10925, CLERMONT, FL 34711-7351

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10554 CEDAR FOREST CIR, CLERMONT, FL 34711-6151

Mortgage

Document Number	2017117371
Date	Nov 3, 2017
Instrument	2017117371

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$212,180 (+2.9%)	$326,562 (-) Land $90,000 Building $236,562
2025		$206,200 Land $90,000 Building $116,200	$326,562 Land $90,000 Building $236,562
2024	$2,892.00 (+9.38%)
2023	$2,644.00 (+8.94%) Homeowner's exemption	$194,560 (+3%)	$277,277 (-) Land $49,200 Building $228,077
2022	$2,427.00 Homeowner's exemption	$188,900	$277,277 Land $49,200 Building $228,077

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

Flood

FEMA maps place 10554 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 10554 Cedar Forest Cir is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Xfinity.

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