16803 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16803 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,419 sqft · built 2019
Lot Size	0.631 acres (27,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$621,300 (May 2019)
Tax Bill	$11,550 (2024)
Deeds & Mortgages	Apr 2022 Mortgage May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-07200`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-07200`
Alternative APNs	`262223001000007200` `3859270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,419 sqft Living Area
Gross Area	4,209 sqft
1st Floor Area	3,419 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Tile
Lot Area	27,500 sqft (0.631 acres)
Garage Type	Attached
Garage Area	790 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	257 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	3859270
Street Address	16803 CARAVAGGIO LOOP
City	MONTVERDE
State	FL
Zip	34756-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLINA BAY PB 60 PG 34-38 LOT 72 ORB 5283 PG 327
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	72
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1071
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	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 21, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SUNTRUST BANK
Jul 20, 2018	Warranty Deed, Transfer LP TITLE SERVICES LLC
Dec 21, 2017	Warranty Deed, Transfer NONA TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2019 · Amount on Record
Deed Sale	May 21, 2019 · Amount on Record
Prior Sale	Jul 20, 2018 · Amount on Record
Deed Document Number	201957108
Deed Book / Page	5283 / 327
Prior Transfer Date	Jul 27, 2009
Prior Transfer Doc	0038021087
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	NATIONS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16803 CARAGGIO LOOP, MONTVERDE, FL 34756

Mortgage

Document Number	0059362287
Date	Apr 13, 2022
Book Page	5936/2287
Instrument	2022052011

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.97%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.97%
Index	Other
Margin	3
Max Rate	7.97%

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 21, 2019
Property Address	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720
Document Number	0052830327
Book / Page	5283 / 0327
Map Reference	MB 60 PG 34-38
Instrument Date	May 17, 2019
Instrument	2019057108
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2022
Title Company	LP TITLE SERVICE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,349.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1312 BOWMAN ST, 1312, CLERMONT, FL 34711-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720

Mortgage

Document Number	2019057109
Date	May 21, 2019
Instrument	2019057109

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 20, 2018
Property Address	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720
Document Number	0051421184
Book / Page	005142 / 001184
Instrument Date	Jul 11, 2018
Instrument	84360
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	LP TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1312 BOWMAN ST CLERMONT FL 347113146, CLERMONT, FL 34711-3146

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 21, 2017
Property Address	16803 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3720
Document Number	0050441402
Book / Page	005044 / 001402
Instrument Date	Dec 19, 2017
Instrument	136771
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,007.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3298 KENTSHIRE BLVD OCOEE FL 347614621, OCOEE, FL 34761-4621

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		$843,184 (-0.14%) Land $297,000 Building $546,184	$843,184 (-0.14%) Land $297,000 Building $546,184
2025		$844,390 (+1.69%) Land $297,000 Building $547,390	$844,390 (+1.69%) Land $297,000 Building $547,390
2024	$11,550.00 (+6.45%)
2023	$10,850.00 (+14.8%)	$830,319 (+19.19%)	$830,319 (+19.19%) Land $297,000 Building $533,319
2022	$9,451.00	$696,614	$696,614 Land $164,500 Building $532,114

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	COLINA BAY public/private · serves 175 people · EPA ID FL3354969
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	LAS COLINAS WATER PLANT
Lead	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. The service area is an EPA estimate; the actual supplier may differ.

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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