10934 Memory Ln, Tavares, FL 32778 Property Records

Lake County property record for 10934 Memory Ln, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 1974
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jan 2020)
Tax Bill	$2,007 (2024)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-19-25-0500-000-03400`

Property Details

APN / Parcel Number

Primary APN	`23-19-25-0500-000-03400`
Alternative APNs	`251923050000003400` `1682819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	2,021 sqft
1st Floor Area	1,471 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1682819
Street Address	10934 MEMORY LN
City	TAVARES
State	FL
Zip	32778-4655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPARKS VILLAGE LOT 34 PB 13 PG 58 ORB 5410 PG 776
Legal Range	25E
Legal Township	19S
Legal Section	23
Legal Subdivision	SPARKS VILLAGE
Legal Tract	0500
Legal Lot Number	34
Jurisdiction	LAKE FL
Township / Civil Division	LEESBURG EAST
Census Block Group	1
Census Block	1073
Census Tract	30702

Owner

10934 Memory Ln is owned and occupied by an individual who bought it in January 2020.

Source: Lake County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	10934 MEMORY LN, TAVARES, FL 32778-4655
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	Name on Deed
Last Sale	Jan 23, 2020 · Amount on File
Deed Sale	Jan 23, 2020 · Amount on File
Deed Document Number	20209108
Deed Book / Page	5410 / 776
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0028091078
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 23, 2020
Property Address	10934 MEMORY LN, TAVARES, FL 32778-4655
Document Number	0054100776
Book / Page	5410 / 0776
Map Reference	MB 13 PG 58
Instrument Date	Jan 13, 2020
Instrument	2020009108
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	APPLE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 E ALFRED ST, 601, TAVARES, FL 32778-3303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10934 MEMORY LN, TAVARES, FL 32778-4655

Mortgage

Document Number	0054100779
Date	Jan 23, 2020
Instrument	5410/0779

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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		$138,340 (+2.89%)	$253,295 (+11.56%) Land $105,000 Building $148,295
2025		$134,450 Land $78,750 Building $55,700	$227,045 Land $78,750 Building $148,295
2024	$2,007.00 (+14.23%)
2023	$1,757.00 (+12.27%) Homeowner's exemption	$126,870 (+3%)	$207,898 (-) Land $65,250 Building $142,648
2022	$1,565.00 Homeowner's exemption	$123,180	$207,898 Land $65,250 Building $142,648

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

Flood

FEMA maps place 10934 Memory Ln 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 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.

Wildfire

Wildfire risk around 10934 Memory Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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