10849 Masters Dr, Clermont, FL 34711 Property Records

Lake County property record for 10849 Masters Dr, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,168 sqft · built 2018
Lot Size	0.336 acres (14,672 sqft)
Owner	Individual Name on File
Last Sale	$537,500 (Jun 2022)
Tax Bill	$5,647 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-22-25-1020-000-23400`

Property Details

APN / Parcel Number

Primary APN	`11-22-25-1020-000-23400`
Alternative APN	`3808157`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,168 sqft Living Area
1st Floor Area	2,168 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,672 sqft (0.336 acres)
Garage Type	Finished
Garage Area	546 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	479 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3808157
Street Address	10849 MASTERS DR
City	CLERMONT
State	FL
Zip	34711-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALISADES PHASE 2E SUB LOT 234 PB 46 PG 64-66 ORB 5982 PG 756
Legal Range	25E
Legal Township	22S
Legal Section	11
Legal Subdivision	PALISADES
Legal Phase	2E
Legal Tract	1020
Legal Lot Number	234
Jurisdiction	LAKE FL
Township / Civil Division	GROVELAND-MASCOTTE
Census Block Group	2
Census Block	2085
Census Tract	31207

Owner

10849 Masters Dr is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	10849 MASTERS DR, CLERMONT, FL 34711-7114
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
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Nov 20, 2018	Warranty Deed, Transfer · Conventional with PMI FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Nov 20, 2018 · Amount on File
Deed Document Number	2022088657
Deed Book / Page	5982 / 756
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 28, 2022
Property Address	10849 MASTERS DR, CLERMONT, FL 34711-7114
Document Number	0059820756
Book / Page	5982 / 756
Map Reference	MB 46 PG 64-66
Instrument Date	Jun 23, 2022
Instrument	2022088657
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 SILVER MAPLE RD, GROVELAND, FL 34736-3652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10849 MASTERS DR, CLERMONT, FL 34711-7114

Mortgage

Document Number	0005982757
Date	Jun 28, 2022
Instrument	5982/757

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 20, 2018
Property Address	10849 MASTERS DR, CLERMONT, FL 34711-7114
Document Number	0052001766
Book / Page	005200 / 001766
Instrument Date	Nov 9, 2018
Instrument	135402
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10849 MASTERS DR CLERMONT FL 347117114, CLERMONT, FL 34711-7114

Mortgage

Document Number	52001768
Date	Nov 20, 2018
Book Page	005200/001768
Instrument	135403

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Nov 19, 2033

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		$383,677 Land $102,300 Building $281,377	$383,677 Land $102,300 Building $281,377
2024	$5,647.00 (+5.06%)
2023	$5,375.00 (+72.06%) Homeowner's exemption Additional exemption filed	$400,154 (+65.98%)	$400,154 (+37.53%) Land $102,300 Building $297,854
2022	$3,124.00 Homeowner's exemption	$241,090	$290,967 Land $62,000 Building $228,967

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

FEMA maps place 10849 Masters Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 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 10849 Masters Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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	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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: AT&T.

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