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20620 Shady Oak Ln, Eustis, FL 32736 Property Records

Lake County property record for 20620 Shady Oak Ln, Eustis, FL 32736

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 3,037 sqft · built 2002
Lot Size5.03 acres (219,200 sqft)
Owner2 Individual Names on Record
Last Sale$838,000 (Dec 2021)
Tax Bill$6,095 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Dec 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN33-18-27-0001-000-05700

Property Details

APN / Parcel Number

Primary APN33-18-27-0001-000-05700
Alternative APNs
  • 271833000100005700
  • 3606990

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,037 sqft Living Area
Gross Area3,869 sqft
1st Floor Area3,037 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeFrame
Roof TypeSawtooth
Roof MaterialMetal
Lot Area219,200 sqft (5.03 acres)
Garage TypeAttached
Garage Area832 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area448 sqft
PorchScreened/Unfinished Porch
Porch Area1,789 sqft
Deck AreaDeck Area
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3606990
Street Address20620 SHADY OAK LN
CityEUSTIS
StateFL
Zip32736-9033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionW 434.81 FT OF E 869.97 FT OF S 1/2 OF S 3/4 OF NW 1/4 OF NE 1/4 ORB 5855 PG 1078
Legal Range27E
Legal Township18S
Legal Section33
Legal Quarter1
Legal SubdivisionACREAGE & UNREC
Legal Tract0001
Legal Lot Number57
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2037
Census Tract30109

Owner

Source: Lake County records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 27, 2026Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
Dec 13, 2021Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Mar 30, 2020Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 13, 2021 · Amount on Record
Deed SaleDec 13, 2021 · Amount on Record
Prior SaleMar 30, 2020 · Amount on Record
Deed Document Number2021171352
Deed Book / Page5855 / 1078
Prior Transfer DateMar 24, 2020
Prior Transfer Doc0054471266
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Recording DateMay 27, 2026
Property Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033
Document Number0000064747
Book / Page6746 / 121
Instrument DateMay 14, 2026
Instrument202664747
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033
InvestorPossibly a Property Investor

Mortgage

Document Number0000064747,
DateMay 27, 2026
Book Page6746/121
Instrument202664747
Lender
NameSEACOAST NATIONAL BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 14, 2056
Interest
Rate6.3%
Max Rate-1%

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateDec 13, 2021
Property Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033
Document Number0058551078
Book / Page5855 / 1078
Instrument DateDec 3, 2021
Instrument2021171352
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,866.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address246 W SIMMONS RD, CACHE, OK 73527-3042

Transferred To (Grantee/Buyer)

NameVerified Name
Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033

Mortgage

Document Number0058551080
DateDec 13, 2021
Instrument5855/1080
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMar 30, 2020
Property Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033
Document Number0054471266
Book / Page5447 / 1266
Instrument DateMar 24, 2020
Instrument2020038006
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanySHIPLEY LAW FIRM & TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,937.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20620 SHADY OAK LN, EUSTIS, FL 32736-9033

Mortgage

Document Number0054471268
DateMar 30, 2020
Instrument5447/1268
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$451,790 (+2.9%)$647,195 (-0.06%) Land $248,853 Building $398,342
2025$6,095.00 (+2.32%) Homeowner's exemption Veteran's exemption$439,060 (+5.98%) Land $248,853 Building $190,207$647,598 (+12.44%) Land $248,853 Building $398,745
2024$5,957.00 (+7.33%)
2023$5,550.00 (+3.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$414,270 (+3%)$575,959 (+13.68%) Land $191,425 Building $384,534
2022$5,369.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$402,204$506,644 Land $122,512 Building $384,132

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 in force

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 RiskHigh
above 74% of the US · above 59% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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