10645 Cedar Forest Cir, Clermont, FL 34711 Property Records

Lake County property record for 10645 Cedar Forest Cir, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,646 sqft · built 2003
Lot Size	0.243 acres (10,620 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jun 2023)
Tax Bill	$1,360 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-23-25-2306-000-07900`

Property Details

APN / Parcel Number

Primary APN	`11-23-25-2306-000-07900`
Alternative APN	`3818949`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,646 sqft Living Area
1st Floor Area	1,646 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,620 sqft (0.243 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	170 sqft
Deck Area	727 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3818949
Street Address	10645 CEDAR FOREST CIR
City	CLERMONT
State	FL
Zip	34711-6153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSCAPE PHASE III PB 49 PG 95-97 LOT 79 ORB 6151 PG 1440
Legal Range	25E
Legal Township	23S
Legal Section	11
Legal Subdivision	WINDSCAPE PHASE
Legal Phase	3
Legal Tract	2306
Legal Lot Number	79
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1003
Census Tract	31323

Owner

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

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 Record
Co-owner	Co-owner on Record
Mailing Address	10645 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage NFM INC
Jun 6, 2022	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	2023064579
Deed Book / Page	6151 / 1440
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 1, 2023
Property Address	10645 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Document Number	0061511440
Book / Page	6151 / 1440
Map Reference	MB 49 PG 95-97
Instrument Date	May 26, 2023
Instrument	2023064579
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10645 CEDAR FOREST CIR, CLERMONT, FL 34711-6153

Mortgage

Document Number	0061511442
Date	Jun 1, 2023
Instrument	6151/1442

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 6, 2022
Property Address	10645 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Document Number	0059692274
Book / Page	5969 / 2274
Map Reference	MB 49 PG 95-97
Instrument Date	May 27, 2022
Instrument	2022078241
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,510.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22636 SE 62ND AVE, HAWTHORNE, FL 32640-3676

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

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		$112,130 (-56.3%) Land $90,000 Building $22,130	$303,980 (+18.48%) Land $90,000 Building $213,980
2024	$1,360.00 (-65.8%)
2023	$3,977.00 (+178.5%)	$256,573 (+124.83%)	$256,573 (+0.02%) Land $49,200 Building $207,373
2022	$1,428.00 Homeowner's exemption	$114,120	$256,521 Land $49,200 Building $207,321

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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 113 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 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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