16554 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16554 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,742 sqft · built 2014
Lot Size	1.01 acres (44,122 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,500 (Jul 2014)
Tax Bill	$5,961 (2024)
Deeds & Mortgages	Oct 2018 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-01000`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-01000`
Alternative APNs	`262223001000001000` `3859208`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,742 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	2,742 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	44,122 sqft (1.01 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Finished/Open Porch
Porch Area	453 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3859208
Street Address	16554 CARAVAGGIO LOOP
City	MONTVERDE
State	FL
Zip	34756-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLINA BAY PB 60 PG 34-38 LOT 10 ORB 4508 PG 1977
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	10
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1061
Census Tract	31301

Owner

Source: Lake County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	16554 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2018	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 23, 2019	Deed of Trust, Mortgage · VA Mortgage AFR HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2014 · Amount on Record
Deed Sale	Jul 31, 2014 · Amount on Record
Deed Document Number	201483204
Deed Book / Page	4508 / 1977
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0038250057
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16554 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051791897
Date	Oct 4, 2018
Book Page	5179/1897
Instrument	2018116697

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16554 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056001870
Date	Dec 14, 2020
Book Page	5600/1870
Instrument	2020140730

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Oct 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16554 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3703
Document Number	0053170775
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16554 CARAVAGGIO LOOP MONTVERDE FL 347563703, MONTVERDE, FL 34756-3703

Mortgage

Document Number	0053170775
Date	Jul 29, 2019
Book Page	005317/000775
Instrument	84755

Lender

Name	AFR HM LNS
Type	Funding / Finance Company
Address	MCLEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

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		$464,360 (+2.9%)	$698,773 (-0.09%) Land $282,150 Building $416,623
2025		$451,280 (+5.98%) Land $282,150 Building $169,130	$699,409 (+1.6%) Land $282,150 Building $417,259
2024	$5,961.00 (+5.52%)
2023	$5,649.00 (+5.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$425,800 (+3%)	$688,425 (+22.51%) Land $282,150 Building $406,275
2022	$5,358.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$413,400	$561,914 Land $156,275 Building $405,639

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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	LAS COLINAS WATER PLANT public/private · serves 260 people · EPA ID FL3354944
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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