15731 Thoroughbred Ln, Montverde, FL 34756 Property Records

Lake County property record for 15731 Thoroughbred Ln, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,556 sqft · built 1988
Lot Size	1.05 acres (46,058 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,800 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-22-26-1500-000-03900`

Property Details

APN / Parcel Number

Primary APN	`09-22-26-1500-000-03900`
Alternative APNs	`262209150000003900` `2987839`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,556 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	1,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2022
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	46,058 sqft (1.05 acres)
Lot Dimensions	305 ft deep x 151 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Florida Room
Porch Area	642 sqft
Deck Area	Deck Area
Patio Area	300 sqft
Utility Building	1,166 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2987839
Street Address	15731 THOROUGHBRED LN
City	MONTVERDE
State	FL
Zip	34756-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRAILS OF MONTVERDE LOT 39 PB 28 PGS 6-11 ORB 5981 PG 1875
Legal Range	26E
Legal Township	22S
Legal Section	9
Legal Subdivision	TRAILS OF MONTVERDE
Legal Tract	1500
Legal Block	1
Legal Lot Number	39
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1018
Census Tract	31301

Owner

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 Record
Mailing Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 27, 2022	Intrafamily Transfer, Transfer
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 25, 2022
Transfer Doc	0059811875
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056140940
Date	Jan 6, 2021
Book Page	5614/940
Instrument	2021001773

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Jun 27, 2022
Property Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311
Document Number	0059811875
Book / Page	5981 / 1875
Map Reference	MB 28 PG 6-11
Instrument Date	Jun 25, 2022
Instrument	2022088269
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	15731 THOROUGHBRED LN, MONTVERDE, FL 34756-3311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052222339
Date	Jan 11, 2019
Book Page	5222/2339
Instrument	2019004747

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2039

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		$285,210 (+2.9%)	$514,290 (-0.01%) Land $140,000 Building $374,290
2025		$277,180 (+5.98%) Land $140,000 Building $137,180	$514,322 (+16.78%) Land $140,000 Building $374,322
2024	$3,800.00 (+7.53%)
2023	$3,534.00 (+7.25%) Homeowner's exemption	$261,530 (+3%)	$440,402 (+0.49%) Land $78,000 Building $362,402
2022	$3,295.00 Homeowner's exemption	$253,920	$438,260 Land $78,000 Building $360,260

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

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
Flood Insurance Cost	Premium on Record median of 52 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	5 (2017–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

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	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	MONTVERDE WATER DEPARTMENT (2WPS) serves 1,198 people · EPA ID FL3350847
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 74 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

May also be available: Spectrum.

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