Lake County property record for 120 Spring Arbor Ln, Lady Lake, FL 32159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,392 sqft · built 2003 |
| Lot Size | 0.258 acres (11,279 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Apr 2019) |
| Tax Bill | $2,736 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-18-24-1900-000-03600 |
| Primary APN | 18-18-24-1900-000-03600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 11,279 sqft (0.258 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 312 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 3783606 |
|---|---|
| Street Address | 120 SPRING ARBOR LN |
| City | LADY LAKE |
| State | FL |
| Zip | 32159-4233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LADY LAKE SPRING ARBOR VILLAGE SUB LOT 36 PB 40 PGS 92-93 ORB 5269 PG 130 |
| Legal Range | 24E |
| Legal Township | 18S |
| Legal Section | 18 |
| Legal Subdivision | LADY LAKE |
| Legal Tract | 1900 |
| Legal Lot Number | 36 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | FRUITLAND PARK-LADY LAKE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 30408 |
120 Spring Arbor Ln is owned and occupied by an individual who bought it in April 2019.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| 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 18, 2021 | Deed of Trust, Mortgage · VA Mortgage WATERSTONE MORTGAGE CORP |
| Sep 13, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Apr 25, 2019 | Warranty Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| Aug 7, 2018 | Warranty Deed, Transfer PENINSULA LAND AND TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2019 · Amount on File |
| Deed Sale | Apr 25, 2019 · Amount on File |
| Prior Sale | Aug 7, 2018 · Amount on File |
| Deed Document Number | 2019045420 |
| Deed Book / Page | 5269 / 0130 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Document Number | 0058400825 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 5840/825 |
| Instrument | 2021160713 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0051690714 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 5169/0714 |
| Instrument | 2018107685 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 25, 2019 |
| Property Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Document Number | 0052690130 |
| Book / Page | 5269 / 0130 |
| Map Reference | MB 40 PG 92 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 2019045420 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 SPRING ARBOR LN, 120, LADY LAKE, FL 32159-4233 |
| Name | Verified Name |
|---|---|
| Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Document Number | 2019045421 |
|---|---|
| Date | Apr 25, 2019 |
| Instrument | 2019045421 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 7, 2018 |
| Property Address | 120 SPRING ARBOR LN, LADY LAKE, FL 32159-4233 |
| Document Number | 0051510416 |
| Book / Page | 005151 / 000416 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 92013 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | PENINSULA LAND AND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 SPRING ARBOR LN LADY LAKE FL 321594233, LADY LAKE, FL 32159-4233 |
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 | $195,460 Land $75,000 Building $120,460 | $256,790 Land $75,000 Building $181,790 | |
| 2024 | $2,736.00 (+5.64%) | ||
| 2023 | $2,590.00 (+1.13%) Homeowner's exemption | $184,430 (+3%) | $249,681 (+11.75%) Land $75,000 Building $174,681 |
| 2022 | $2,561.00 Homeowner's exemption | $179,060 | $223,431 Land $48,750 Building $174,681 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Spring Arbor 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 22 policies |
| Nearby Flood Policies | 22 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 120 Spring Arbor Ln is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people · EPA ID FL3350942 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | VILLAGE WATER |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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