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3531 Tropical Seas Loop, Tavares, FL 32778 Property Records

Lake County property record for 3531 Tropical Seas Loop, Tavares, FL 32778

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,027 sqft · built 2003
Lot Size0.252 acres (10,972 sqft)
Owner2 Individual Names on File
Last Sale$172,500 (Jan 2012)
Tax Bill$2,253 (2024)
Deeds & MortgagesNov 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN13-20-25-1810-000-40100

Property Details

APN / Parcel Number

Primary APN13-20-25-1810-000-40100
Alternative APNs
  • 252013181000040100
  • 3812127

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,027 sqft Living Area
Gross Area2,647 sqft
1st Floor Area2,027 sqft

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialAsphalt
Lot Area10,972 sqft (0.252 acres)
Garage TypeAttached
Garage Area460 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed/Finished Porch
Porch Area190 sqft
Deck AreaDeck Area
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3812127
Street Address3531 TROPICAL SEAS LOOP
CityTAVARES
StateFL
Zip32778-9235
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionROYAL HARBOR PHASE 3 PB 47 PG 67-71 LOT 401 ORB 4120 PG 192 ORB 4673 PG 1777
Legal Range25E
Legal Township20S
Legal Section13
Legal SubdivisionROYAL HARBOR PHASE 3
Legal Tract1810
Legal Lot Number401
JurisdictionLAKE FL
Township / Civil DivisionTAVARES
Census Block Group2
Census Block2054
Census Tract31002

Owner

3531 Tropical Seas Loop is owned and occupied by two individuals who acquired it in August 2015.

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

Owner of Record2 Individual Names on File
Mailing Address3531 TROPICAL SEAS LOOP, TAVARES, FL 32778-9235
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 31, 2012 · Amount on File
Deed SaleJan 31, 2012 · Amount on File
Prior SaleApr 22, 2003 · Amount on File
Deed Document Number201210223
Deed Book / Page4120 / 192
Last Transfer DateAug 26, 2015
Transfer Doc0046731777
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address3531 TROPICAL SEAS LOOP, TAVARES, FL 32778-9235
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address3531 TROPICAL SEAS LOOP, TAVARES, FL 32778-9235

Mortgage

Document Number0055910634
DateNov 30, 2020
Book Page5591/634
Instrument2020134313
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$166,800 (+2.9%)$316,420 (-) Land $52,364 Building $264,056
2025$162,100 Land $52,364 Building $109,736$316,420 Land $52,364 Building $264,056
2024$2,253.00 (+5.73%)
2023$2,131.00 (+1.43%) Homeowner's exemption$152,960 (+3%)$270,953 (-) Land $52,364 Building $218,589
2022$2,101.00 Homeowner's exemption$148,510$270,953 Land $52,364 Building $218,589

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3531 Tropical Seas Loop in Zone X, an area of minimal flood risk.

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 File
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

Wildfire risk around 3531 Tropical Seas Loop is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 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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