Lake County property record for 109 Spencer Loop, #13, Lady Lake, FL 32159
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 2 ba · 2,432 sqft · built 2019 |
| Lot Size | 0.521 acres (22,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Nov 2019) |
| Tax Bill | $2,303 (2024) |
| Deeds & Mortgages | Nov 2019 Sale & Mortgage Aug 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-18-24-0003-000-13400 |
| Primary APN | 21-18-24-0003-000-13400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,432 sqft Living Area |
| 1st Floor Area | 2,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Metal |
| Lot Area | 22,712 sqft (0.521 acres) |
| Lot Dimensions | 167 ft deep x 136 ft wide |
| Porch | Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1809321 |
|---|---|
| Street Address | 109 SPENCER LOOP # 13, 13 |
| City | LADY LAKE |
| State | FL |
| Zip | 32159-4533 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | E 136.13 FT OF W 690.96 FT OF N 160 FT OF S 167.63 FT OF NW 1/4 OF SW 1/4 ORB 5381 PG 110 |
| Legal Range | 24E |
| Legal Township | 18S |
| Legal Section | 21 |
| Legal Subdivision | ACREAGE |
| Legal Tract | 3 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | FRUITLAND PARK-LADY LAKE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 30407 |
109 Spencer Loop, #13 is owned and occupied by an individual who bought it in November 2019.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 SPENCER LOOP, LADY LAKE, FL 32159-4533 |
| 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.
| Date | Document |
|---|---|
| Nov 26, 2019 | Warranty Deed, Transfer · FHA Mortgage PNC BANK NA |
| Aug 13, 2018 | Warranty Deed, Transfer FREEDOM TITLE AND ESCROW |
| Jun 28, 2017 | Tax Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2019 · Amount on File |
| Deed Sale | Nov 26, 2019 · Amount on File |
| Prior Sale | Aug 13, 2018 · Amount on File |
| Deed Document Number | 2019134970 |
| Deed Book / Page | 5381 / 0110 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Nov 26, 2019 |
| Property Address | 109 SPENCER LOOP # 13, 13, LADY LAKE, FL 32159-4533 |
| Document Number | 0053810110 |
| Book / Page | 5381 / 0110 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 2019134970 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31835 SYBIL AVE, 31835, SORRENTO, FL 32776-8138 |
| Name | Verified Name |
|---|---|
| Address | 109 SPENCER LOOP, LADY LAKE, FL 32159-4533 |
| Document Number | 0053810112 |
|---|---|
| Date | Nov 26, 2019 |
| Instrument | 5381/0112 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 13, 2018 |
| Property Address | 109 SPENCER LOOP # 13, 13, LADY LAKE, FL 32159-4533 |
| Document Number | 0051532068 |
| Book / Page | 005153 / 002068 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 94104 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | FREEDOM TITLE AND ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $63.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31835 SYBIL AVE SORRENTO FL 327768138, SORRENTO, FL 32776-8138 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 28, 2017 |
| Property Address | 109 SPENCER LOOP # 13, 13, LADY LAKE, FL 32159-4533 |
| Document Number | 0049642211 |
| Book / Page | 004964 / 002211 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 69951 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 25, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $36.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 121399 CLERMONT FL 347121399, CLERMONT, FL 34712-1399 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Lady Lake Town |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $146,840 Land $55,204 Building $91,636 | $200,946 Land $55,204 Building $145,742 | |
| 2024 | $2,303.00 (+14.52%) | ||
| 2023 | $2,011.00 (+2.71%) Homeowner's exemption | $138,560 (+3%) | $196,055 (-) Land $55,204 Building $140,851 |
| 2022 | $1,958.00 Homeowner's exemption | $134,530 | $196,055 Land $55,204 Building $140,851 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Spencer Loop, #13 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 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 risk around 109 Spencer Loop, #13 is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LADY LAKE CENTRAL - WPS 1,2,3 serves 7,090 people · EPA ID FL3350977 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: CenturyLink, Verizon.
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