16902 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16902 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,682 sqft · built 2013
Lot Size	0.57 acres (24,840 sqft)
Owner	Individual Name on File
Last Sale	$372,300 (Apr 2014)
Tax Bill	$6,649 (2025)
Deeds & Mortgages	Sep 2026 Sale Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-03500`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-03500`
Alternative APNs	`262223001000003500` `3859233`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,682 sqft Living Area
Gross Area	4,354 sqft
1st Floor Area	1,598 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Tile
Lot Area	24,840 sqft (0.57 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	486 sqft
Porch	Slab
Porch Area	604 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	3859233
Street Address	16902 CARAVAGGIO LOOP
City	MONTVERDE
State	FL
Zip	34756-3702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLINA BAY PB 60 PG 34-38 LOT 35 ORB 4463 PG 1634
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	35
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1061
Census Tract	31301

Owner

16902 Caravaggio Loop is owned and occupied by an individual who acquired it in August 2026.

Source: Lake County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA
Apr 23, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2014 · Amount on File
Deed Sale	Apr 11, 2014 · Amount on File
Deed Document Number	201440003
Deed Book / Page	4463 / 1634
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000108318
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Sep 2, 2026
Property Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Document Number	0000108318
Book / Page	6805 / 977
Instrument Date	Aug 27, 2026
Instrument	2026108318
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702

Mortgage

Document Number	0067041252
Date	Mar 20, 2026
Book Page	6704/1252
Instrument	2026034553

Lender

Name	FIFTH THIRD BANK CENTRAL FLORIDA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	348 Months
Due	Mar 16, 2055

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050990348
Date	Apr 23, 2018
Book Page	5099/0348
Instrument	2018046769

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16902 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055081016
Date	Jul 22, 2020
Book Page	5508/1016
Instrument	2020078232

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16902 Caravaggio Loop was $6,649, up 2.4% from the year before.

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		$501,020 (+2.7%)	$811,147 (-0.08%) Land $267,300 Building $543,847
2025	$6,649.00 (+2.37%)	$487,850 Land $267,300 Building $220,550	$811,810 Land $267,300 Building $544,510
2024	$6,495.00 (+5.2%)
2023	$6,174.00 (+5.14%) Homeowner's exemption	$460,310 (+3%)	$798,182 (+17.79%) Land $267,300 Building $530,882
2022	$5,872.00 Homeowner's exemption	$446,910	$677,631 Land $148,050 Building $529,581

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16902 Caravaggio Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2017.

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 File 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

Wildfire risk around 16902 Caravaggio Loop is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% 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.

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