16620 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16620 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,192 sqft · built 2013
Lot Size	0.719 acres (31,311 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,900 (Apr 2025)
Tax Bill	$6,056 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jan 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-01400`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-01400`
Alternative APNs	`262223001000001400` `3859212`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,192 sqft Living Area
Gross Area	3,800 sqft
1st Floor Area	2,772 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	31,311 sqft (0.719 acres)
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	701 sqft
Porch	Florida Room
Porch Area	445 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	3859212
Street Address	16620 CARAVAGGIO LOOP
City	MONTVERDE
State	FL
Zip	34756-3707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLINA BAY PB 60 PG 34-38 LOT 14 ORB 6508 PG 2146
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	14
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	16620 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jan 14, 2019	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	Apr 29, 2024 · Amount on Record
Deed Document Number	202544848
Deed Book / Page	6508 / 2146
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0038250057
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 29, 2024
Property Address	16620 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3707
Document Number	0063231657
Book / Page	6323 / 1657
Map Reference	MB 60 PG 34
Instrument Date	Apr 24, 2024
Instrument	2024049447
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16700 ARTIMINO LOOP, BELLA COLLINA, FL 34756-3610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16620 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3707

Mortgage

Document Number	0063231659
Date	Apr 29, 2024
Instrument	6323/1659

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	16620 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3707
Document Number	0052302386
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Feb 12, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	16620 CARAVAGGIO LOOP MONTVERDE FL 347563707, MONTVERDE, FL 34756-3707

Mortgage

Document Number	0052302386
Date	Feb 1, 2019
Book Page	005230/002386
Instrument	12603

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 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		$738,251 (-0.05%) Land $297,000 Building $441,251	$738,251 (-0.05%) Land $297,000 Building $441,251
2025		$738,615 (+72.61%) Land $297,000 Building $441,615	$738,615 (+2.34%) Land $297,000 Building $441,615
2024	$6,056.00 (+5.45%)
2023	$5,743.00 (+5.34%) Homeowner's exemption	$427,910 (+3%)	$721,738 (+22.56%) Land $297,000 Building $424,738
2022	$5,452.00 Homeowner's exemption	$415,450	$588,874 Land $164,500 Building $424,374

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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	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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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