28131 Lake Jem Rd, Mount Dora, FL 32757 Property Records

Lake County property record for 28131 Lake Jem Rd, Mount Dora, FL 32757

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,771 sqft · built 1999
Lot Size	4.63 acres (202,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Apr 2021)
Tax Bill	$8,405 (2024)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-20-26-0050-012-00001`

Property Details

APN / Parcel Number

Primary APN	`11-20-26-0050-012-00001`
Alternative APNs	`262011005001200001` `3690656`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,771 sqft Living Area
Gross Area	4,546 sqft
1st Floor Area	3,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	202,058 sqft (4.63 acres)
Garage Type	Attached
Garage Area	775 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	732 sqft
Deck Area	Deck Area
Patio Area	91 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3690656
Street Address	28131 LAKE JEM RD
City	MOUNT DORA
State	FL
Zip	32757-9326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LAKE JEM FARM TRACT W 1/2 OF TRACT 12--LESS N 50 FT OF TRACT 12 FOR RD R/W--PB 5 PG 4 ORB 5690 PG 321
Legal Range	26E
Legal Township	20S
Legal Section	11
Legal Subdivision	LAKE JEM FARM
Legal Tract	12
Legal Block	12
Legal Lot Number	L12
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	1
Census Block	1033
Census Tract	31002

Owner

Source: Lake County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	28131 LAKE JEM RD, MOUNT DORA, FL 32757-9326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Jan 18, 1996 · Amount on Record
Deed Document Number	202153201
Deed Book / Page	5690 / 321
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	28131 LAKE JEM RD, MOUNT DORA, FL 32757-9326
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	28131 LAKE JEM RD, MOUNT DORA, FL 32757-9326

Mortgage

Document Number	0056900340
Date	Apr 19, 2021
Book Page	5690/340
Instrument	2021053205

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 19, 2021
Property Address	28131 LAKE JEM RD, MOUNT DORA, FL 32757-9326
Document Number	0056900321
Book / Page	5690 / 321
Map Reference	MB 5 PG 4
Instrument Date	Apr 15, 2021
Instrument	2021053201
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	BROKERS TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 496, MOUNT DORA, FL 32756-0496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 1 LAKE JEM ROAD, MOUNT DORA, FL 32757

Mortgage

Document Number	0056900322
Date	Apr 19, 2021
Book Page	5690/322
Instrument	2021053202

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$562,893 (-0.02%) Land $197,644 Building $365,249	$562,893 (-0.02%) Land $197,644 Building $365,249
2025		$563,001 (+2.11%) Land $197,644 Building $365,357	$563,001 (+2.11%) Land $197,644 Building $365,357
2024	$8,405.00 (+6.43%)
2023	$7,897.00 (+9.77%)	$551,369 (+12.82%)	$551,369 (+12.82%) Land $197,644 Building $353,725
2022	$7,194.00	$488,734	$488,734 Land $137,491 Building $351,243

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 65 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	65 in force
Nearby Flood Claims	4 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
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	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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