Lake County property record for 12 Live Oak Ave, Yalaha, FL 34797
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,012 sqft · built 2020 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Aug 2017) |
| Tax Bill | $760 (2024) |
| Deeds & Mortgages | May 2021 Line of Credit Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-25-0100-000-01100 |
| Primary APN | 17-20-25-0100-000-01100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,012 sqft Living Area |
| Gross Area | 3,024 sqft |
| 1st Floor Area | 1,782 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 1,012 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Open Porch |
| Deck Area | Deck Area |
| Patio Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1735386 |
|---|---|
| Street Address | 12 LIVE OAK AVE |
| City | YALAHA |
| State | FL |
| Zip | 34797-3030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | SPRINGS BATH & YACHT CLUB UNIT 2 LOT 11 10 FT STRIP LYING BETWEEN LOT & CANAL PB 14 PG 31 ORB 4991 PG 865 |
| Legal Range | 25E |
| Legal Township | 20S |
| Legal Section | 17 |
| Legal Subdivision | BATH & YACHT CLUB UNIT |
| Legal Tract | 0100 |
| Legal Lot Number | 11 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | HOWEY-IN-THE-HILLS-OKAHUMPKA |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 31105 |
12 Live Oak Ave is owned and occupied by two individuals who acquired it in August 2021.
Source: Lake County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 28, 2021 | Deed of Trust, Mortgage · VA Mortgage LENDERSELECT MORTGAGE GROUP |
| Oct 6, 2021 | Intrafamily Transfer, Transfer FIRST INTERNATIONAL TITLE |
| Aug 23, 2017 | Warranty Deed, Transfer · Conventional with PMI SHAUGHNESSY R F & B S TR (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on File |
| Deed Sale | Aug 23, 2017 · Amount on File |
| Prior Sale | Apr 21, 2004 · Amount on File |
| Deed Document Number | 201791534 |
| Deed Book / Page | 4991 / 865 |
| Last Transfer Date | Aug 9, 2021 |
| Transfer Doc | 0058100508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Document Number | 0057171821 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 5717/1821 |
| Instrument | 2021073514 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC |
| Name | Verified Name |
|---|---|
| Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Document Number | 0056310029 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 5631/29 |
| Instrument | 2021012653 |
| Name | LENDERSELECT MORTGAGE GROUP |
|---|---|
| Type | Non-Lending Institution |
| Address | GREENSBORO, NC 27409 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 6, 2021 |
| Property Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Document Number | 0058100508 |
| Book / Page | 5810 / 508 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021138501 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12547 PINE ISLAND DR, LEESBURG, FL 34788-2324 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 64 VALLEY DR, RUTHERFORDTON, NC 28139-8405 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 23, 2017 |
| Property Address | 12 LIVE OAK AVE, YALAHA, FL 34797-3030 |
| Document Number | 0049910865 |
| Book / Page | 004991 / 000865 |
| Instrument Date | Aug 22, 2017 |
| Instrument | 91534 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2017 |
| Title Company | BROKER'S TITLE/LEESBURG LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14400 W COLONIAL DR WINTER GARDEN FL 347874213, WINTER GARDEN, FL 34787-4213 |
| Document Number | 49910867 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 004991/000867 |
| Instrument | 91535 |
| Name | SHAUGHNESSY R F & B S TR (PT) |
|---|---|
| Address | 64 VALLEY DR, RUTHERFORDTON, NC 28139-8405 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 22, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
Source: Lake County assessment roll, as of November 26, 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 |
|---|---|---|---|
| 2026 | $344,380 (+2.9%) | $348,654 (-0.11%) Land $75,240 Building $273,414 | |
| 2025 | $334,680 Land $75,240 Building $259,440 | $349,031 Land $75,240 Building $273,791 | |
| 2024 | $760.00 (+33.33%) | ||
| 2023 | $570.00 (+44.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $315,780 (+3.22%) | $347,128 (+2.6%) Land $75,240 Building $271,888 |
| 2022 | $395.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $305,920 | $338,319 Land $75,240 Building $263,079 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Live Oak Ave 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 67 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 3 (2024–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Nov 2025 · other causes |
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 12 Live Oak Ave is low, with a 0.03% 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 | 0.03% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRINGS PARK AREA INC private · serves 334 people · EPA ID FL3351254 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2024) 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 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| CenturyLink Fiber | 940 / 940 |
| T-Mobile Fixed Wireless | 100 / 20 |
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