16740 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16740 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,722 sqft · built 2019
Lot Size	1.06 acres (46,469 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Dec 2019)
Tax Bill	$11,378 (2024)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2018 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-02500`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-02500`
Alternative APNs	`262223001000002500` `3859223`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,722 sqft Living Area
Gross Area	5,564 sqft
1st Floor Area	2,209 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Tile
Lot Area	46,469 sqft (1.06 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	842 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	292 sqft
Porch	Florida Room
Porch Area	1,032 sqft
Deck Area	Deck Area
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3859223
Street Address	16740 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 25 ORB 5386 PG 865
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	25
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	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 1, 2018	Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK
Dec 9, 2019	Warranty Deed, Transfer VYSTAR CU
May 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	2019138906
Deed Book / Page	5386 / 865
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0038250057
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708

Mortgage

Document Number	0058181228
Date	Oct 21, 2021
Book Page	5818/1228
Instrument	2021144828

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051181488
Date	Jun 1, 2018
Book Page	5118/1488
Instrument	2018063819

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 9, 2019
Property Address	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Document Number	0053860865
Book / Page	005386 / 000865
Instrument Date	Dec 3, 2019
Instrument	138906
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16740 CARAVAGGIO LOOP MONTVERDE FL 34756, MONTVERDE, FL 34756

Mortgage

Document Number	53860868
Date	Dec 9, 2019
Book Page	005386/000868
Instrument	138907

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2034

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 1, 2017
Property Address	16740 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3708
Document Number	0049372287
Book / Page	004937 / 002287
Instrument Date	Apr 25, 2017
Instrument	47224
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,312.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4006 GREYSTONE DR CLERMONT FL 347115366, CLERMONT, FL 34711-5366

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		$894,820 (+2.9%)	$1,406,886 (-0.03%) Land $560,000 Building $846,886
2025		$869,610 (+5.99%) Land $560,000 Building $309,610	$1,407,361 (+26.47%) Land $560,000 Building $847,361
2024	$11,378.00 (+3.84%)
2023	$10,957.00 (+3.94%) Homeowner's exemption	$820,500 (+3%)	$1,112,835 (+0.04%) Land $296,800 Building $816,035
2022	$10,542.00 Homeowner's exemption	$796,610	$1,112,361 Land $296,800 Building $815,561

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 100 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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.

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