Lake County property record for 21 E Bay Ave, Yalaha, FL 34797
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 1,724 sqft · built 1980 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $154,000 (Jun 2016) |
| Tax Bill | $2,239 (2024) |
| Deeds & Mortgages | Aug 2023 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-25-0300-000-08000 |
| Primary APN | 17-20-25-0300-000-08000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,724 sqft Living Area |
| 1st Floor Area | 1,724 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 125 ft deep x 120 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 468 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1274851 |
|---|---|
| Street Address | 21 E BAY AVE |
| City | YALAHA |
| State | FL |
| Zip | 34797-3049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGS BATH & YACHT CLUB UNIT 1 E 1/2 OF LOT 80 LOT 81 PB 14 PG 27 ORB 4797 PG 1858 |
| Legal Range | 25E |
| Legal Township | 20S |
| Legal Section | 17 |
| Legal Subdivision | SPRINGS BATH & YACHT CLUB UNIT 1 |
| Legal Tract | 300 |
| Legal Lot Number | 80-81 |
| Legal Unit | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | HOWEY-IN-THE-HILLS-OKAHUMPKA |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 31105 |
Source: Lake County records · APN 17-20-25-0300-000-08000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 E BAY AVE, YALAHA, FL 34797-3049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 07, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 23, 2016 · Amount on Record |
| Deed Sale | Jun 23, 2016 · Amount on Record |
| Prior Sale | Aug 24, 1999 · Amount on Record |
| Deed Document Number | 2016065288 |
| Deed Book / Page | 4797 / 1858 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 21 E BAY AVE, YALAHA, FL 34797-3049 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 21 E BAY AVE, YALAHA, FL 34797-3049 |
| Document Number | 0061890997 |
|---|---|
| Date | Aug 07, 2023 |
| Book Page | 6189/997 |
| Instrument | 2023094834 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 275 Months |
| Due | Jul 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 21 E BAY AVE, YALAHA, FL 34797-3049 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 21 E BAY AVE, YALAHA, FL 34797-3049 |
| Document Number | 0057350599 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 5735/599 |
| Instrument | 2021085515 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2046 |
Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $152,020 (+5.98%) Land $66,500 Building $85,520 | $274,946 (+3.01%) Land $66,500 Building $208,446 | |
| 2024 | $2,239.00 (+13.08%) | ||
| 2023 | $1,980.00 (+10.8%) Homeowner's exemption | $143,440 (+2.99%) | $266,916 (+7.66%) Land $66,500 Building $200,416 |
| 2022 | $1,787.00 Homeowner's exemption | $139,270 | $247,916 Land $47,500 Building $200,416 |
Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 67 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 3 (2024–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Nov 2025 · other causes |
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Lumen Technologies Fiber | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 166 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRINGS PARK AREA INC private · serves 334 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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