281 Reserve Dr, Tavares, FL 32778 Property Records

Lake County property record for 281 Reserve Dr, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,885 sqft · built 1998
Lot Size	0.386 acres (16,821 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Sep 2016)
Tax Bill	$4,454 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-19-26-0450-000-02100`

Property Details

APN / Parcel Number

Primary APN	`20-19-26-0450-000-02100`
Alternative APN	`3526848`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Living Area
1st Floor Area	1,885 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	16,821 sqft (0.386 acres)
Lot Width	86 ft Width
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	290 sqft
Patio Area	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3526848
Street Address	281 RESERVE DR
City	TAVARES
State	FL
Zip	32778-2165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAVARES VISTA DEL LARGO FIRST ADD SUB LOT 21--LESS BEG AT S'LY COR OF LOT 22 RUN S 84-27-25 W ALONG S LINE OF LOT 21 A DIST
Legal Range	26E
Legal Township	19S
Legal Section	20
Legal Subdivision	TAVARES
Legal Tract	450
Legal Lot Number	21,22
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2027
Census Tract	30803

Owner

Source: Lake County records · APN 20-19-26-0450-000-02100

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	281 RESERVE DR, TAVARES, FL 32778-2165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 16, 2016 · Amount on Record
Deed Sale	Sep 16, 2016 · Amount on Record
Prior Sale	Sep 16, 2016
Deed Document Number	2016096446
Deed Book / Page	4835 / 1515
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	281 RESERVE DR, TAVARES, FL 32778-2165
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 RESERVE DR, TAVARES, FL 32778-2165

Mortgage

Document Number	0061671594
Date	Jun 28, 2023
Book Page	6167/1594
Instrument	2023077688

Lender

Name	UNITED SOUTHERN BANK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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		$278,040 (+5.98%) Land $120,000 Building $158,040	$372,723 (+2.41%) Land $120,000 Building $252,723
2024	$4,454.00 (+5.27%)
2023	$4,231.00 (+0.79%) Homeowner's exemption	$262,340 (+3%)	$363,953 (+25.02%) Land $120,000 Building $243,953
2022	$4,198.00 Homeowner's exemption	$254,700	$291,105 Land $75,000 Building $216,105

Flood & Wildfire

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

Flood

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 Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2003–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Based on FCC filings for 380 locations within half a mile of this property.

Drinking Water

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	TAVARES WATER DEPARTMENT (4 WPS) serves 22,007 people
Water Source	Groundwater
Last State Inspection	Nov 2023
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	1 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.