16728 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16728 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	7 bd · 6 ba · 5,155 sqft · built 2013
Lot Size	0.634 acres (27,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Aug 2018)
Tax Bill	$8,531 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-02400`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-02400`
Alternative APNs	`262223001000002400` `3859222`

Interior

Bedrooms	7 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	5,155 sqft Living Area
Gross Area	5,826 sqft
1st Floor Area	2,595 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	27,599 sqft (0.634 acres)
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	540 sqft
Porch	Screened/Unfinished Porch
Porch Area	759 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	3859222
Street Address	16728 CARAVAGGIO LOOP
City	MONTVERDE
State	FL
Zip	34756-3708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLINA BAY PB 60 PG 34-38 LOT 24 ORB 5151 PG 1648
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	24
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1061
Census Tract	31301

Owner

Source: Lake County records, as of June 2, 2026

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	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Aug 8, 2018	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2018 · Amount on Record
Deed Sale	Aug 8, 2018 · Amount on Record
Prior Sale	Oct 2, 2013 · Amount on Record
Deed Document Number	201892410
Deed Book / Page	5151 / 1648
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708

Mortgage

Document Number	0057341238
Date	Jun 21, 2021
Book Page	5734/1238
Instrument	2021085020

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jun 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708

Mortgage

Document Number	0057822204
Date	Aug 30, 2021
Book Page	5782/2204
Instrument	2021119240

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061270964
Date	Apr 18, 2023
Book Page	6127/964
Instrument	2023044827

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054270826
Date	Feb 25, 2020
Book Page	5427/0826
Instrument	2020023354

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Document Number	0054511224
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16728 CARAVAGGIO LOOP MONTVERDE FL 347563708, MONTVERDE, FL 34756-3708

Mortgage

Document Number	0054511224
Date	Apr 6, 2020
Book Page	005451/001224
Instrument	40794

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 5, 2030

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Document Number	0052001480
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16728 CARAVAGGIO LOOP MONTVERDE FL 347563708, MONTVERDE, FL 34756-3708

Mortgage

Document Number	0052001480
Date	Nov 20, 2018
Book Page	005200/001480
Instrument	135268

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2038

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 8, 2018
Property Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Document Number	0051511648
Book / Page	5151 / 1648
Map Reference	MB 60 PG 34-38
Instrument Date	Aug 7, 2018
Instrument	2018092410
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	BROKERS TITLE OF CENTRAL FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 691356, ORLANDO, FL 32869-1356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16728 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708

Mortgage

Document Number	2018092411
Date	Aug 8, 2018
Instrument	2018092411

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$646,530 (+2.9%)	$1,049,434 (-0.12%) Land $326,700 Building $722,734
2025	$8,531.00 (+2.33%) Homeowner's exemption	$628,310 (+5.98%) Land $326,700 Building $301,610	$1,050,705 (+2.14%) Land $326,700 Building $724,005
2024	$8,337.00 (+4.5%)
2023	$7,978.00 (+4.53%) Homeowner's exemption	$592,830 (+3%)	$1,028,669 (+16.68%) Land $326,700 Building $701,969
2022	$7,632.00 Homeowner's exemption	$575,570	$881,646 Land $180,950 Building $700,696

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
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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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 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.

Nearby Properties on Caravaggio Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures