16920 Caravaggio Loop, Montverde, FL 34756 Property Records

Lake County property record for 16920 Caravaggio Loop, Montverde, FL 34756

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,644 sqft · built 2014
Lot Size	0.569 acres (24,785 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Nov 2021)
Tax Bill	$10,186 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-22-26-0010-000-03800`

Property Details

APN / Parcel Number

Primary APN	`23-22-26-0010-000-03800`
Alternative APNs	`262223001000003800` `3859236`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,644 sqft Living Area
Gross Area	5,353 sqft
1st Floor Area	2,496 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	24,785 sqft (0.569 acres)
Garage Type	Attached
Garage Area	709 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	532 sqft
Porch	Florida Room
Porch Area	588 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	3859236
Street Address	16920 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 38 ORB 5836 PG 2487
Legal Range	26E
Legal Township	22S
Legal Section	23
Legal Subdivision	COLINA BAY
Legal Tract	A-G
Legal Lot Number	38
Jurisdiction	LAKE FL
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1061
Census Tract	31301

Owner

16920 Caravaggio Loop is owned and occupied by two individuals who bought it in November 2021.

Source: Lake County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	16920 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 11, 2019	Deed of Trust, Mortgage · Line of Credit UNIVEST BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	May 29, 2014 · Amount on File
Deed Document Number	2021158194
Deed Book / Page	5836 / 2487
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0038250057
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 15, 2021
Property Address	16920 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702
Document Number	0058362487
Book / Page	5836 / 2487
Map Reference	MB 60 PG 34-38
Instrument Date	Nov 5, 2021
Instrument	2021158194
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TTL OF LAKE CNTY L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16920 CARAVAGGIO LOOP, MONTVERDE, FL 34756-3702

Mortgage

Document Number	0000058371
Date	Nov 15, 2021
Instrument	5837/1

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16920 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	0053392016
Date	Sep 11, 2019
Book Page	5339/2016
Instrument	2019102214

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 20, 2039

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		$798,920 (+2.9%)	$851,988 (-0.03%) Land $267,300 Building $584,688
2025		$776,410 Land $267,300 Building $509,110	$852,255 Land $267,300 Building $584,955
2024	$10,186.00 (+4.06%)
2023	$9,789.00 (+4.12%) Homeowner's exemption	$732,560 (+3%)	$830,748 (+16.8%) Land $267,300 Building $563,448
2022	$9,402.00 Homeowner's exemption	$711,231	$711,231 Land $148,050 Building $563,181

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

Flood

FEMA maps place 16920 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 16920 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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