10945 Big Tree Ln, Clermont, FL 34711 Property Records

Lake County property record for 10945 Big Tree Ln, Clermont, FL 34711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1967
Lot Size	0.413 acres (17,981 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Nov 2021)
Tax Bill	$3,313 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-23-25-0600-000-00200`

Property Details

APN / Parcel Number

Primary APN	`11-23-25-0600-000-00200`
Alternative APNs	`252311060000000200` `1440254`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	17,981 sqft (0.413 acres)
Lot Dimensions	179 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	638 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1440254
Street Address	10945 BIG TREE LN
City	CLERMONT
State	FL
Zip	34711-9311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LAKE CRESCENT VIEW DEVELOPMENT LOT 2 1/39 INT IN LOT 20 PB 14 PG 62 ORB 5846 PG 1198
Legal Range	25E
Legal Township	23S
Legal Section	11
Legal Subdivision	LAKE CRESCENT VIEW DEVELOPMENT
Legal Tract	0600
Legal Lot Number	2
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1024
Census Tract	31323

Owner

10945 Big Tree Ln is owned and occupied by two individuals who bought it in November 2021.

Source: Lake County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10945 BIG TREE LN, CLERMONT, FL 34711-9311
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	Nov 30, 2021 · Amount on File
Deed Sale	Nov 30, 2021 · Amount on File
Prior Sale	Aug 15, 1996 · Amount on File
Deed Document Number	2021164963
Deed Book / Page	5846 / 1198
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 30, 2021
Property Address	10945 BIG TREE LN, CLERMONT, FL 34711-9311
Document Number	0058461198
Book / Page	5846 / 1198
Map Reference	MB 12 PG 79
Instrument Date	Nov 19, 2021
Instrument	2021164963
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 DEVAULT ST LOT 126, 126, UMATILLA, FL 32784-8452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 FUDGE RD, APOPKA, FL 32712-5868

Mortgage

Document Number	0058461200
Date	Nov 30, 2021
Instrument	5846/1200

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10945 Big Tree Ln was $3,313 with a homeowner's exemption, up 1.3% from the year before.

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		$232,428 (-) Land $57,000 Building $175,428	$232,428 (-) Land $57,000 Building $175,428
2025	$3,313.00 (+1.28%) Homeowner's exemption	$232,428 Land $57,000 Building $175,428	$232,428 Land $57,000 Building $175,428
2024	$3,271.00 (+7.85%)
2023	$3,033.00 (+7.44%) Homeowner's exemption	$223,841 (+2.42%)	$223,841 (-) Land $57,000 Building $166,841
2022	$2,823.00 Homeowner's exemption	$218,551	$223,841 Land $57,000 Building $166,841

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

Flood

FEMA maps place 10945 Big Tree Ln 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 10945 Big Tree Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20