Lake County property record for 1200 Gardner St, Mount Dora, FL 32757
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,992 sqft · built 1988 |
| Lot Size | 0.245 acres (10,693 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Nov 2020) |
| Tax Bill | $6,070 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-19-27-1925-000-01300 |
| Primary APN | 30-19-27-1925-000-01300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,992 sqft Living Area |
| 1st Floor Area | 1,992 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 10,693 sqft (0.245 acres) |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 360 sqft |
| Porch | Porch |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2916257 |
|---|---|
| Street Address | 1200 GARDNER ST |
| City | MOUNT DORA |
| State | FL |
| Zip | 32757-3791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNT DORA THE HIGHLANDS OF MOUNT DORA LOT 13 PB 28 PG 33 ORB 5578 PG 15 ORB 6036 PG 461 |
| Legal Range | 27E |
| Legal Township | 19S |
| Legal Section | 30 |
| Legal Subdivision | MOUNT DORA |
| Legal Tract | 1925 |
| Legal Lot Number | 13 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | MOUNT DORA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 30914 |
1200 Gardner St is owned and occupied by an individual who acquired it in October 2022.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| 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 |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jun 22, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 11, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| May 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on File |
| Deed Sale | Nov 6, 2020 · Amount on File |
| Prior Sale | Nov 6, 2020 · Amount on File |
| Deed Document Number | 0055780015 |
| Deed Book / Page | 5578 / 15 |
| Last Transfer Date | Oct 11, 2022 |
| Transfer Doc | 0060360461 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1105 COUNRTY CLUB RD, EUSTIS, FL 32726-5105 |
| Document Number | 0056590769 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 5659/769 |
| Instrument | 2021031804 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | FLINT, MI 48501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Number | 0061632491 |
|---|---|
| Date | Jun 22, 2023 |
| Book Page | 6163/2491 |
| Instrument | 2023074597 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 2, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 11, 2022 |
| Property Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Number | 0060360461 |
| Book / Page | 6036 / 461 |
| Map Reference | MB 28 PG 33 |
| Instrument Date | Oct 4, 2022 |
| Instrument | 2022134186 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Nov 6, 2020 |
| Property Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Number | 0055780015 |
| Book / Page | 5578 / 15 |
| Map Reference | MB 28 PG 33 |
| Instrument Date | Nov 3, 2020 |
| Instrument | 2020125048 |
| 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 | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3438 CYPRESS GROVE DR, 3438, EUSTIS, FL 32736-2506 |
| Name | Verified Name |
|---|---|
| Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Number | 0000557817 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 5578/17 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 1200 GARDNER ST, MOUNT DORA, FL 32757-3791 |
| Document Number | 0051092056 |
| Instrument Date | May 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1200 GARDNER ST MOUNT DORA FL 327573791, MOUNT DORA, FL 32757-3791 |
| Document Number | 0051092056 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 005109/002056 |
| Instrument | 56157 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 14, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Mount Dora City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $367,460 Land $107,100 Building $260,360 | $428,679 Land $107,100 Building $321,579 | |
| 2024 | $6,070.00 (+6.03%) | ||
| 2023 | $5,725.00 (-0.35%) Homeowner's exemption Widower's exemption | $346,710 (+3%) | $381,628 (+0.06%) Land $69,930 Building $311,698 |
| 2022 | $5,745.00 Homeowner's exemption Widower's exemption | $336,620 | $381,392 Land $70,000 Building $311,392 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1200 Gardner St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2024–2025) |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
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 1200 Gardner St 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 64% of the US · lower than 90% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MOUNT DORA, CITY OF (2WPS) serves 39,710 people · EPA ID FL3350858 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| 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 | 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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