28 Ginger Cir, Leesburg, FL 34748 Property Records

Lake County property record for 28 Ginger Cir, Leesburg, FL 34748

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,192 sqft · built 1995
Lot Size	0.126 acres (5,496 sqft)
Owner	2 Individual Names on File
Last Sale	$129,800 (May 2018)
Tax Bill	$1,342 (2024)
Deeds & Mortgages	Feb 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-19-24-0950-000-02800`

Property Details

APN / Parcel Number

Primary APN	`35-19-24-0950-000-02800`
Alternative APN	`3396979`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,192 sqft Living Area
1st Floor Area	1,192 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,496 sqft (0.126 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3396979
Street Address	28 GINGER CIR
City	LEESBURG
State	FL
Zip	34748-6781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEESBURG THE MEADOWS OF LEESBURG LOT 28 PB 27 PGS 69-70 ORB 5105 PG 561
Legal Range	24E
Legal Township	19S
Legal Section	35
Legal Subdivision	LEESBURG
Legal Tract	950
Legal Lot Number	28
Jurisdiction	LAKE FL
Township / Civil Division	LEESBURG
Census Block Group	1
Census Block	1012
Census Tract	30701

Owner

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	2 Individual Names on File
Mailing Address	28 GINGER CIR, LEESBURG, FL 34748-6781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 7, 2018	Warranty Deed, Transfer · Conventional with PMI INSIGHT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	Apr 16, 2007 · Amount on File
Deed Document Number	2018052086
Deed Book / Page	5105 / 0561
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	28 GINGER CIR, LEESBURG, FL 34748-6781
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GINGER CIR, LEESBURG, FL 34748-6781

Mortgage

Document Number	0056450381
Date	Feb 17, 2021
Book Page	5645/381
Instrument	2021022059

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 7, 2018
Property Address	28 GINGER CIR, LEESBURG, FL 34748-6781
Document Number	0051050561
Book / Page	005105 / 000561
Instrument Date	Apr 27, 2018
Instrument	52086
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FREEDOM TITLE AND ESCROW, FREEDOM TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$908.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 GINGER CIR LEESBURG FL 347486781, LEESBURG, FL 34748-6781

Mortgage

Document Number	51050563
Date	May 7, 2018
Book Page	005105/000563
Instrument	52087

Lender

Name	INSIGHT CU
Address	300 WEBSTER ST, LEESBURG, FL 34748-5072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$117,040 (+5.98%) Land $45,000 Building $72,040	$176,079 (+12.64%) Land $45,000 Building $131,079
2024	$1,342.00 (+4.84%)
2023	$1,280.00 (+5.96%) Homeowner's exemption	$110,440 (+2.99%)	$156,316 (+4.17%) Land $45,000 Building $111,316
2022	$1,208.00 Homeowner's exemption	$107,230	$150,054 Land $22,875 Building $127,179

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2004–2017)
Claims Outside the SFHA	2 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	CITY OF LEESBURG serves 46,921 people · EPA ID FL3350745
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 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	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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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