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3040 Keel Ct, Tavares, FL 32778 Property Records

Lake County property record for 3040 Keel Ct, Tavares, FL 32778

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,237 sqft · built 2006
Lot Size0.168 acres (7,330 sqft)
OwnerIndividual Name on Record
Last Sale$385,000 (Feb 2023)
Tax Bill$2,848 (2023)
Deeds & MortgagesFeb 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN13-20-25-1812-000-72700

Property Details

APN / Parcel Number

Primary APN13-20-25-1812-000-72700
Alternative APNs
  • 252013181200072700
  • 3840193

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,237 sqft Living Area
Gross Area2,839 sqft
1st Floor Area2,120 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area7,330 sqft (0.168 acres)
Garage TypeAttached
Garage Area602 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area435 sqft
Deck AreaDeck Area
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3840193
Street Address3040 KEEL CT
CityTAVARES
StateFL
Zip32778-9202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionROYAL HARBOR PHASE 5 PB 55 PG 58-63 LOT 727 ORB 6091 PG 1783
Legal Range25E
Legal Township20S
Legal Section13
Legal SubdivisionROYAL HARBOR PHASE 5
Legal TractA-H
Legal Lot Number727
JurisdictionLAKE FL
Township / Civil DivisionTAVARES
Census Block Group2
Census Block2060
Census Tract31002

Owner

Source: Lake County records, as of October 2, 2026

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 RecordIndividual Name on Record
Mailing Address3040 KEEL CT, TAVARES, FL 32778-9202
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 10, 2023 · Amount on Record
Deed SaleFeb 10, 2023 · Amount on Record
Prior SaleJun 13, 2013 · Amount on Record
Deed Document Number202316122
Deed Book / Page6091 / 1783
Prior Transfer DateMar 24, 2014
Prior Transfer Doc0044581542
Record UpdatedOct 29, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateFeb 10, 2023
Property Address3040 KEEL CT, TAVARES, FL 32778-9202
Document Number0060911783
Book / Page6091 / 1783
Map ReferenceMB 55 PG 58-63
Instrument DateFeb 3, 2023
Instrument2023016122
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address39901 SPRING WATER LN, UMATILLA, FL 32784-7969

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 KEEL CT, TAVARES, FL 32778-9202

Mortgage

Document Number0060911785
DateFeb 10, 2023
Instrument6091/1785
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityTavares City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$259,740 (+2.7%)$329,715 (-5.57%) Land $87,100 Building $242,615
2025$252,920 (+32.91%) Land $66,196 Building $186,724$349,166 (+16.57%) Land $66,196 Building $282,970
2023$2,848.00 (+1.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$190,290 (+3%)$299,543 (-) Land $66,196 Building $233,347
2022$2,817.00 Homeowner's exemption$184,750$299,543 Land $66,196 Building $233,347

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies18 in force

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 RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
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 SystemTAVARES WATER DEPARTMENT (4 WPS)
serves 22,007 people · EPA ID FL3351333
Water SourceGroundwater
Last State InspectionNov 2023
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 237 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Summit Broadband
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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