2205 Pico Ln, Mount Dora, FL 32757 Property Records

Lake County property record for 2205 Pico Ln, Mount Dora, FL 32757

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,686 sqft · built 2008
Lot Size	0.058 acres (2,560 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Dec 2020)
Tax Bill	$2,891 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-19-27-0400-000-15700`

Property Details

APN / Parcel Number

Primary APN	`28-19-27-0400-000-15700`
Alternative APN	`3849093`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,686 sqft Living Area
1st Floor Area	1,686 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	2,560 sqft (0.058 acres)
Garage Type	Finished
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	63 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3849093
Street Address	2205 PICO LN
City	MOUNT DORA
State	FL
Zip	32757-8707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERBROOKE PHASE 1 PB 58 PG 1-10 LOT 157 ORB 5605 PG 292
Legal Range	27E
Legal Township	19S
Legal Section	28
Legal Subdivision	SUMMERBROOKE
Legal Phase	1
Legal Tract	A-J
Legal Lot Number	157
Jurisdiction	LAKE FL
Township / Civil Division	MOUNT DORA
Census Block Group	1
Census Block	1030
Census Tract	30917

Owner

2205 Pico Ln is owned and occupied by an individual who bought it in December 2020.

Source: Lake County records, as of December 15, 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	Individual Name on File
Mailing Address	2205 PICO LN, MOUNT DORA, FL 32757-8707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 21, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on File
Deed Sale	Dec 21, 2020 · Amount on File
Prior Sale	May 27, 2009 · Amount on File
Deed Document Number	2020143522
Deed Book / Page	5605 / 292
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	2205 PICO LN, MOUNT DORA, FL 32757-8707
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 PICO LN, MOUNT DORA, FL 32757-8707

Mortgage

Document Number	0060790030
Date	Jan 12, 2023
Book Page	6079/30
Instrument	2023004515

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 21, 2020
Property Address	2205 PICO LN, MOUNT DORA, FL 32757-8707
Document Number	0056050292
Book / Page	5605 / 292
Map Reference	MB 58 PG 1-10
Instrument Date	Dec 17, 2020
Instrument	2020143522
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1778 STRATHMORE CIR, 1778, MOUNT DORA, FL 32757-8808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 PICO LN, MOUNT DORA, FL 32757-8707

Mortgage

Document Number	0005605294
Date	Dec 21, 2020
Instrument	5605/294

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Mount Dora City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$189,200 Land $67,410 Building $121,790	$241,586 Land $67,410 Building $174,176
2024	$2,891.00 (+6.05%)
2023	$2,726.00 (+1.56%) Homeowner's exemption	$178,520 (+3%)	$225,419 (+5.92%) Land $56,700 Building $168,719
2022	$2,684.00 Homeowner's exemption	$173,320	$212,819 Land $44,100 Building $168,719

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

Flood

FEMA maps place 2205 Pico Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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 2205 Pico Ln is low, with a 0.05% annual chance of 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	0.05% 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	MOUNT DORA, CITY OF (2WPS) serves 39,710 people · EPA ID FL3350858
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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