1316 Apache Cir, Tavares, FL 32778 Property Records

Lake County property record for 1316 Apache Cir, Tavares, FL 32778

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 960 sqft · built 1981
Lot Size	0.205 acres (8,920 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jan 2022)
Tax Bill	$35 (2025)
Deeds & Mortgages	Mar 2023 Reverse Mortgage Jan 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-19-26-0425-000-05100`

Property Details

APN / Parcel Number

Primary APN	`21-19-26-0425-000-05100`
Alternative APNs	`281926020000005100` `261921042500005100` `2544180`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,314 sqft
1st Floor Area	960 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	8,920 sqft (0.205 acres)
Lot Dimensions	100 ft deep x 78 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	849 sqft
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2544180
Street Address	1316 APACHE CIR
City	TAVARES
State	FL
Zip	32778-2521
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RMHS
Legal Description	TAVARES LAKE FRANCES ESTATES UNIT 2 LOT 51 PB 20 PG 19 ORB 5876 PG 1986
Legal Range	26E
Legal Township	19S
Legal Section	21
Legal Subdivision	TAVARES LAKE FRANCES ESTATES
Legal Tract	0425
Legal Lot Number	51
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	1
Census Block	1018
Census Tract	30803

Owner

Source: Lake County records, as of August 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1316 APACHE CIR, TAVARES, FL 32778-2521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jan 13, 2022	Warranty Deed, Transfer WATSON TITLE SERVICES INC
Feb 9, 2018	Warranty Deed, Transfer · VA Mortgage BRANCH BK&TR
Feb 9, 2018	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Document Number	20226525
Deed Book / Page	5876 / 1986
Prior Transfer Date	Jan 17, 2018
Prior Transfer Doc	0050650492
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	1316 APACHE CIR, TAVARES, FL 32778-2521
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 APACHE CIR, TAVARES, FL 32778-2521

Mortgage

Document Number	0061141620
Date	Mar 28, 2023
Book Page	6114/1620
Instrument	2023034651

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.84%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.8%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 13, 2022
Property Address	1316 APACHE CIR, TAVARES, FL 32778-2521
Document Number	0058761986
Book / Page	5876 / 1986
Map Reference	MB 20 PG 19
Instrument Date	Dec 28, 2021
Instrument	2022006525
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 TWIN HARBOR DR, WINNECONNE, WI 54986-9708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 APACHE CIR, TAVARES, FL 32778-2521

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 9, 2018
Property Address	1316 APACHE CIR, TAVARES, FL 32778-2521
Document Number	0050650505
Book / Page	005065 / 000505
Instrument Date	Feb 8, 2018
Instrument	15974
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	BB AND T ML POST CLOSING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	865 23 7/8 ST CHETEK WI 547289610, CHETEK, WI 54728-9610

Mortgage

Document Number	50650507
Date	Feb 9, 2018
Book Page	005065/000507
Instrument	15975

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

February 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Feb 9, 2018
Property Address	1316 APACHE CIR, TAVARES, FL 32778-2521
Document Number	0050650496
Book / Page	005065 / 000496
Instrument Date	Jan 10, 2018
Instrument	15970
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	14251 109TH AVE CHIPPEWA FALLS WI 547295133, CHIPPEWA FALLS, WI 54729-5133

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Tavares City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,650 (+2.67%)	$145,951 (-) Land $50,000 Building $95,951
2025	$35.00 (-69.57%) Homeowner's exemption Widower's exemption	$31,800 (+5.96%)	$145,951 (+22.89%) Land $50,000 Building $95,951
2024	$115.00 (+19.79%)
2023	$96.00 (+18.52%) Homeowner's exemption Additional exemption filed	$30,010 (+2.99%)	$118,765 (+23.73%) Land $40,550 Building $78,215
2022	$81.00 Homeowner's exemption Additional exemption filed	$29,140	$95,990 Land $17,775 Building $78,215

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearby Flood Policies	7 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TAVARES WATER DEPARTMENT (4 WPS) serves 22,007 people · EPA ID FL3351333
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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