10649 Cedar Forest Cir, Clermont, FL 34711 Property Records

Lake County property record for 10649 Cedar Forest Cir, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 2003
Lot Size	0.276 acres (12,008 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2016)
Tax Bill	$2,788 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-23-25-2306-000-07800`

Property Details

APN / Parcel Number

Primary APN	`11-23-25-2306-000-07800`
Alternative APNs	`252311230600007800` `3818948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,510 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,008 sqft (0.276 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	178 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3818948
Street Address	10649 CEDAR FOREST CIR
City	CLERMONT
State	FL
Zip	34711-6153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WINDSCAPE PHASE III PB 49 PG 95-97 LOT 78 ORB 6597 PG 1393
Legal Range	25E
Legal Township	23S
Legal Section	11
Legal Subdivision	WINDSCAPE PHASE III
Legal Tract	2306
Legal Lot Number	78
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1003
Census Tract	31323

Owner

10649 Cedar Forest Cir is owned and occupied by an individual who acquired it in August 2025.

Source: Lake County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Sep 16, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 6, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2016 · Amount on File
Deed Sale	Apr 11, 2016 · Amount on File
Prior Sale	Nov 13, 2003 · Amount on File
Deed Document Number	201636877
Deed Book / Page	764 / 1994
Last Transfer Date	Aug 23, 2025
Transfer Doc	0065971393
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Apr 20, 2026
Property Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Document Number	0000047624
Book / Page	6722 / 2223
Instrument Date	Apr 8, 2026
Instrument	202647624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153

Mortgage

Document Number	0000047624,
Date	Apr 20, 2026
Book Page	6722/2223
Instrument	202647624

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.11%
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Sep 16, 2025
Property Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Document Number	0065971393
Book / Page	6597 / 1393
Map Reference	MB 49 PG 95-97
Instrument Date	Aug 23, 2025
Instrument	2025114226
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	10649 CEDAR FOREST CIR, CLERMONT, FL 34711-6153
Document Number	0054870212
Instrument Date	Jun 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10649 CEDAR FOREST CIR CLERMONT FL 347116153, CLERMONT, FL 34711-6153

Mortgage

Document Number	0054870212
Date	Jun 16, 2020
Book Page	005487/000212
Instrument	64272

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

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		$203,830 (+2.9%)	$310,836 (-0.05%) Land $90,000 Building $220,836
2025		$198,090 (+2.9%) Land $90,000 Building $108,090	$310,984 (+15.32%) Land $90,000 Building $220,984
2024	$2,788.00 (+9.63%) Homeowner's exemption	$192,510 (+3%) Land $49,200 Building $143,310	$269,673 (+2.32%) Land $49,200 Building $220,473
2023	$2,543.00 (+9.28%) Homeowner's exemption	$186,910 (+3%)	$263,567 (+0.06%) Land $49,200 Building $214,367
2022	$2,327.00 Homeowner's exemption	$181,470	$263,419 Land $49,200 Building $214,219

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

Flood

FEMA maps place 10649 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 10649 Cedar Forest Cir is moderate, ranking above 64% 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 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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