28 Bay Ridge Loop, Mascotte, FL 34753 Property Records

Lake County property record for 28 Bay Ridge Loop, Mascotte, FL 34753

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1996
Lot Size	0.329 acres (14,340 sqft)
Owner	Individual Name on Record
Last Sale	$74,000 (Nov 2013)
Tax Bill	$1,758 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-22-24-0025-000-02000`

Property Details

APN / Parcel Number

Primary APN	`15-22-24-0025-000-02000`
Alternative APNs	`242215002500002000` `3588517`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,570 sqft Living Area
Gross Area	2,223 sqft
1st Floor Area	1,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,340 sqft (0.329 acres)
Lot Dimensions	142 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	891 sqft
Utility Building	1,008 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3588517
Street Address	28 BAY RIDGE LOOP
City	MASCOTTE
State	FL
Zip	34753-8833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFLD
Legal Description	MASCOTTE BAY RIDGE SUB LOT 20 PB 35 PGS 44-45 ORB 4404 PG 220 ORB 5066 PG 247
Legal Range	24E
Legal Township	22S
Legal Section	15
Legal Subdivision	MASCOTTE BAY RIDGE SUB
Legal Tract	0025
Legal Lot Number	20
Jurisdiction	LAKE FL
Township / Civil Division	GROVELAND-MASCOTTE
Census Block Group	1
Census Block	1013
Census Tract	31205

Owner

Source: Lake County records, as of August 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EMPEOPLE CU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 13, 2018	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2013 · Amount on Record
Deed Sale	Nov 15, 2013 · Amount on Record
Prior Sale	Dec 9, 2010 · Amount on Record
Deed Document Number	2013125855
Deed Book / Page	4404 / 220
Last Transfer Date	Jan 27, 2018
Transfer Doc	0050660247
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Aug 7, 2026
Property Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833
Document Number	0000097759
Book / Page	6792 / 262
Instrument Date	Aug 3, 2026
Instrument	202697759
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097759,
Date	Aug 7, 2026
Book Page	6792/262
Instrument	202697759

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 11, 2036

Interest

Rate	6.43%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066411973
Date	Dec 3, 2025
Book Page	6641/1973
Instrument	2025147499

Lender

Name	EMPEOPLE CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 15, 2035

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833

Mortgage

Document Number	0057091951
Date	May 14, 2021
Book Page	5709/1951
Instrument	2021067199

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Feb 13, 2018
Property Address	28 BAY RIDGE LOOP, MASCOTTE, FL 34753-8833
Document Number	0050660247
Book / Page	005066 / 000247
Instrument Date	Jan 27, 2018
Instrument	16751
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BAY RIDGE LOOP MASCOTTE FL 347538833, MASCOTTE, FL 34753-8833

Mortgage

Document Number	50660251
Date	Feb 13, 2018
Book Page	005066/000251
Instrument	16752

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,220 (+2.89%)	$266,452 (-) Land $66,000 Building $200,452
2025	$1,758.00 (+8.12%) Homeowner's exemption	$89,630 (+5.97%) Land $66,000 Building $23,630	$266,452 (+16.55%) Land $66,000 Building $200,452
2024	$1,626.00 (+16.98%)
2023	$1,390.00 (+5.95%) Homeowner's exemption	$84,580 (+3%)	$228,619 (+15.89%) Land $66,000 Building $162,619
2022	$1,312.00 Homeowner's exemption	$82,120	$197,269 Land $34,650 Building $162,619

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2004–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	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

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

Wildfire Risk	High above 75% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	MASCOTTE WATER DEPARTMENT serves 12,355 people · EPA ID FL3350812
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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