Lake County property record for 315 First St, Tavares, FL 32778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,056 sqft · built 1961 |
| Lot Size | 0.214 acres (9,299 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Oct 2021) |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-19-26-0200-000-03200 |
| Primary APN | 20-19-26-0200-000-03200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Metal |
| Lot Area | 9,299 sqft (0.214 acres) |
| Lot Dimensions | 110 ft deep x 88 ft wide |
| Garage Type | Carport |
| Garage Area | 231 sqft |
| Carport | Carport |
| Carport Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened/Unfinished Porch |
| Porch Area | 123 sqft |
| Utility Building | 3,456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1688744 |
|---|---|
| Street Address | 315 FIRST ST |
| City | TAVARES |
| State | FL |
| Zip | 32778-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF1 |
| Legal Description | TAVARES NORTH LAKEWOOD PARK 1ST ADD LOT 32 PB 14 PG 53 ORB 5824 PG 1424 |
| Legal Range | 26E |
| Legal Township | 19S |
| Legal Section | 20 |
| Legal Subdivision | TAVARES NORTH LAKEWOOD PARK 1ST ADD |
| Legal Tract | 0200 |
| Legal Lot Number | 32 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | TAVARES |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 30803 |
315 First St is owned and occupied by an individual who bought it in October 2021.
Source: Lake County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 20, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 28, 2021 | Warranty Deed, Transfer · Line of Credit ESTONNA PROPERTIES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2021 · Amount on File |
| Deed Sale | Oct 28, 2021 · Amount on File |
| Prior Sale | Apr 6, 2005 · Amount on File |
| Deed Document Number | 2021149543 |
| Deed Book / Page | 5824 / 1424 |
| Prior Transfer Date | Jul 19, 2002 |
| Prior Transfer Doc | 2146002485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Document Number | 0000080558 |
| Book / Page | 6768 / 31 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202680558 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Document Number | 0000080558, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 6768/31 |
| Instrument | 202680558 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Document Number | 0061791402 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 6179/1402 |
| Instrument | 2023087462 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 28, 2021 |
| Property Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Document Number | 0058241424 |
| Book / Page | 5824 / 1424 |
| Map Reference | MB 14 PG 53 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 2021149543 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | PANAMERICAN TITLE SERVICES INC, AMERICAN TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Name | Verified Name |
|---|---|
| Address | 315 FIRST ST, TAVARES, FL 32778-2103 |
| Document Number | 0058241426 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 5824/1426 |
| Name | ESTONNA PROPERTIES LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 315 First St was $2,016 with a homeowner's exemption, up 2.5% from the year before.
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Tavares City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $151,300 (+2.9%) | $210,408 (-) Land $104,000 Building $106,408 | |
| 2025 | $2,016.00 (+2.49%) Homeowner's exemption | $147,040 Land $104,000 Building $43,040 | $210,408 Land $104,000 Building $106,408 |
| 2024 | $1,967.00 (+5.87%) | ||
| 2023 | $1,858.00 (+1.64%) Homeowner's exemption Additional exemption filed | $138,740 (+2.99%) | $206,708 (+35.27%) Land $104,000 Building $102,708 |
| 2022 | $1,828.00 Homeowner's exemption Additional exemption filed | $134,708 | $152,808 Land $50,100 Building $102,708 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 First St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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 | 2 (2003–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 risk around 315 First St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TAVARES WATER DEPARTMENT (4 WPS) serves 22,007 people · EPA ID FL3351333 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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