10645 Masters Dr, Clermont, FL 34711 Property Records

Lake County property record for 10645 Masters Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 2005
Lot Size	0.181 acres (7,924 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Feb 2020)
Tax Bill	$3,259 (2024)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-22-25-1015-000-20600`

Property Details

APN / Parcel Number

Primary APN	`11-22-25-1015-000-20600`
Alternative APN	`3794473`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	7,924 sqft (0.181 acres)
Garage Type	Finished
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3794473
Street Address	10645 MASTERS DR
City	CLERMONT
State	FL
Zip	34711-7182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALISADES PHASE 2B SUB LOT 206 PB 43 PGS 90-91 ORB 5430 PG 1347
Legal Range	25E
Legal Township	22S
Legal Section	11
Legal Subdivision	PALISADES
Legal Phase	2B
Legal Tract	1015
Legal Lot Number	206
Jurisdiction	LAKE FL
Township / Civil Division	GROVELAND-MASCOTTE
Census Block Group	2
Census Block	2085
Census Tract	31207

Owner

10645 Masters Dr is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10645 MASTERS DR, CLERMONT, FL 34711-7182
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	May 7, 2013 · Amount on File
Deed Document Number	2020025891
Deed Book / Page	5430 / 1347
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 28, 2020
Property Address	10645 MASTERS DR, CLERMONT, FL 34711-7182
Document Number	0054301347
Book / Page	005430 / 001347
Instrument Date	Feb 27, 2020
Instrument	25891
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10645 MASTERS DR CLERMONT FL 347117182, CLERMONT, FL 34711-7182

Mortgage

Document Number	54301348
Date	Feb 28, 2020
Book Page	005430/001348
Instrument	25892

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

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		$234,930 Land $62,000 Building $172,930	$293,411 Land $62,000 Building $231,411
2024	$3,259.00 (+8.49%)
2023	$3,004.00 (+8.14%) Homeowner's exemption	$221,660 (+3%)	$307,210 (+22.09%) Land $62,000 Building $245,210
2022	$2,778.00 Homeowner's exemption	$215,210	$251,629 Land $62,000 Building $189,629

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

Flood

FEMA maps place 10645 Masters Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

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 10645 Masters Dr is moderate, ranking above 46% 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 46% of the US · lower than 82% 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	GROVELAND WATER DEPARTMENT serves 23,628 people · EPA ID FL3350476
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Spectrum.

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