10712 Summit Lakes Ln, Clermont, FL 34711 Property Records

Lake County property record for 10712 Summit Lakes Ln, Clermont, FL 34711 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 2005
Lot Size	0.25 acres (10,877 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Aug 2021)
Tax Bill	$4,385 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-23-25-1800-000-02000`

Property Details

APN / Parcel Number

Primary APN	`02-23-25-1800-000-02000`
Alternative APNs	`252302180000002000` `3824296`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,098 sqft Living Area
Gross Area	2,560 sqft
1st Floor Area	2,065 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,877 sqft (0.25 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	340 sqft
Porch	Florida Room
Porch Area	407 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	3824296
Street Address	10712 SUMMIT LAKES LN
City	CLERMONT
State	FL
Zip	34711-6969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORES OF LAKE CLAIR SUB LOT 20 PB 51 PG 23-24 ORB 5776 PG 1373
Legal Range	25E
Legal Township	23S
Legal Section	2
Legal Subdivision	SHORES OF LAKE CLAIR SUB
Legal Tract	A
Legal Block	1
Legal Lot Number	20
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1005
Census Tract	31323

Owner

Source: Lake County records · APN 02-23-25-1800-000-02000

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 03, 2020	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jun 12, 2017	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 2021 · Amount on Record
Deed Sale	Aug 20, 2021 · Amount on Record
Prior Sale	Jun 03, 2020 · Amount on Record
Deed Document Number	2021114718
Deed Book / Page	5776 / 1373
Prior Transfer Date	Feb 05, 2008
Prior Transfer Doc	0036000607
Record Updated	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 20, 2021
Property Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969
Document Number	0057761373
Book / Page	5776 / 1373
Map Reference	MB 51 PG 23-24
Instrument Date	Aug 17, 2021
Instrument	2021114718
Transaction Type	Transfer
Record Updated	May 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4805 TURTLE PT, GUTHRIE, OK 73044-8489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3002 BAY DR, VILLAS, NJ 08251-1105

Mortgage

Document Number	0057761375
Date	Aug 20, 2021
Instrument	5776/1375

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 03, 2020
Property Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969
Document Number	0054801450
Book / Page	5480 / 1450
Map Reference	MB 51 PG 23&24
Instrument Date	May 29, 2020
Instrument	2020059862
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	EQUITABLE TTL OF LAKE COUNTR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1245 LOCH TANNA LOOP, 1245, JACKSONVILLE, FL 32259-5486

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969

Mortgage

Document Number	0054801455
Date	Jun 03, 2020
Instrument	5480/1455

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 12, 2017
Property Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969
Document Number	0049570037
Book / Page	4957 / 0037
Map Reference	MB 51 PG 23
Instrument Date	Jun 12, 2017
Instrument	2017063194
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10712 SUMMIT LAKES LN, CLERMONT, FL 34711-6969
Investor	Possibly a Property Investor

Mortgage

Document Number	2017063195
Date	Jun 12, 2017
Instrument	2017063195

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2037

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$332,300 (+2.9%)	$373,646 (-0.06%) Land $99,200 Building $274,446
2025		$322,940 (+5.99%) Land $99,200 Building $223,740	$373,888 (+17.75%) Land $99,200 Building $274,688
2024	$4,385.00 (+6.77%)
2023	$4,107.00 (+6.54%) Homeowner's exemption	$304,700 (+3%)	$317,518 (+7.33%) Land $80,000 Building $237,518
2022	$3,855.00 Homeowner's exemption	$295,832	$295,832 Land $58,760 Building $237,072

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690313231, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 962 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 280 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Lumen Technologies	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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