Lake County property record for 10845 Memory Ln, Tavares, FL 32778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,683 sqft · built 1982 |
| Lot Size | 0.663 acres (28,915 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $142,000 (Nov 2001) |
| Tax Bill | $2,984 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage Mar 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-19-25-0500-000-02501 |
| Primary APN | 23-19-25-0500-000-02501 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,683 sqft Living Area |
| 1st Floor Area | 2,683 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 28,915 sqft (0.663 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Detached |
| Garage Area | 10,368 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 571 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 3020791 |
|---|---|
| Street Address | 10845 MEMORY LN |
| City | TAVARES |
| State | FL |
| Zip | 32778-4655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPARKS VILLAGE THAT PART OF SE'LY 1/2 OF LOT 25 & THAT PART OF LOT 26 LYING NE'LY OF CANAL LOTS 27 & 28 THAT PART OF NW'LY |
| Legal Range | 25E |
| Legal Township | 19S |
| Legal Section | 23 |
| Legal Subdivision | EDGE |
| Legal Tract | 500 |
| Legal Lot Number | 25,26 28 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | LEESBURG EAST |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 30702 |
Source: Lake County records, as of December 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 10845 MEMORY LN, TAVARES, FL 32778-4655 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Mar 22, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2001 · Amount on Record |
| Deed Sale | Nov 7, 2001 · Amount on Record |
| Deed Document Number | 0202500294 |
| Deed Book / Page | 02025 / 00294 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 10845 MEMORY LN, TAVARES, FL 32778-4655 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10845 MEMORY LN, TAVARES, FL 32778-4655 |
| Investor | Possibly a Property Investor |
| Document Number | 0057872054 |
|---|---|
| Date | Sep 3, 2021 |
| Book Page | 5787/2054 |
| Instrument | 2021122530 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 10845 MEMORY LN, TAVARES, FL 32778-4655 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050830631 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 5083/0631 |
| Instrument | 2018032598 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 10845 MEMORY LN, TAVARES, FL 32778-4655 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0053161073 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 5316/1073 |
| Instrument | 2019084007 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $208,460 (+5.98%) Land $149,625 Building $58,835 | $386,639 (+9.7%) Land $149,625 Building $237,014 | |
| 2024 | $2,984.00 (+10.72%) | ||
| 2023 | $2,695.00 (+7.63%) Homeowner's exemption | $196,690 (+3%) | $352,441 (+0.84%) Land $123,975 Building $228,466 |
| 2022 | $2,504.00 Homeowner's exemption | $190,970 | $349,513 Land $123,975 Building $225,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 17 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Summit Broadband Fiber | 2,000 / 2,000 |
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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