Lake County property record for 3550 Tropical Seas Loop, Tavares, FL 32778
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,911 sqft · built 2004 |
| Lot Size | 0.218 acres (9,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $284,900 (Sep 2020) |
| Tax Bill | $3,200 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-20-25-1810-000-38900 |
| Primary APN | 13-20-25-1810-000-38900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,911 sqft Living Area |
| Gross Area | 3,436 sqft |
| 1st Floor Area | 2,304 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 9,490 sqft (0.218 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 543 sqft |
| Deck Area | Deck Area |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3812115 |
|---|---|
| Street Address | 3550 TROPICAL SEAS LOOP |
| City | TAVARES |
| State | FL |
| Zip | 32778-9234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | ROYAL HARBOR PHASE 3 PB 47 PG 67-71 LOT 389 ORB 5538 PG 992 |
| Legal Range | 25E |
| Legal Township | 20S |
| Legal Section | 13 |
| Legal Subdivision | ROYAL HARBOR PHASE 3 |
| Legal Tract | 1810 |
| Legal Lot Number | 389 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | TAVARES |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 31002 |
3550 Tropical Seas Loop is owned and occupied by two individuals who bought it in September 2020.
Source: Lake County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3550 TROPICAL SEAS LOOP, TAVARES, FL 32778-9234 |
| 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 8, 2026 | Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING |
| Sep 8, 2020 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2020 · Amount on File |
| Deed Sale | Sep 8, 2020 · Amount on File |
| Prior Sale | Nov 1, 2016 · Amount on File |
| Deed Document Number | 202098538 |
| Deed Book / Page | 5538 / 992 |
| Prior Transfer Date | Nov 29, 2016 |
| Prior Transfer Doc | 0048731768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 8, 2026 |
| Property Address | 3550 TROPICAL SEAS LOOP, TAVARES, FL 32778-9234 |
| Document Number | 0000083189 |
| Book / Page | 6771 / 2399 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202683189 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3550 TROPICAL SEAS LOOP, TAVARES, FL 32778-9234 |
| Document Number | 0000083189, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 6771/2399 |
| Instrument | 202683189 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 8, 2020 |
| Property Address | 3550 TROPICAL SEAS LOOP, TAVARES, FL 32778-9234 |
| Document Number | 0055380992 |
| Book / Page | 5538 / 992 |
| Map Reference | MB 47 PG 67-71 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 2020098538 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | THE CLOSING AGENT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,994.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4681 OAK FOREST DR E, 4681, SARASOTA, FL 34231-6472 |
| Name | Verified Name |
|---|---|
| Address | 3550 TROPICAL SEAS LOOP, TAVARES, FL 32778-9234 |
| Document Number | 0005538994 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 5538/994 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 3550 Tropical Seas Loop was $3,200 with a homeowner's exemption, up 2.2% 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 | $214,420 (+2.9%) | $398,232 (-) Land $49,400 Building $348,832 | |
| 2025 | $3,200.00 (+2.2%) Homeowner's exemption | $208,380 Land $49,400 Building $158,980 | $398,232 Land $49,400 Building $348,832 |
| 2024 | $3,131.00 (+5.46%) | ||
| 2023 | $2,969.00 (+1.06%) Homeowner's exemption | $196,620 (+3%) | $335,837 (-) Land $49,400 Building $286,437 |
| 2022 | $2,938.00 Homeowner's exemption | $190,900 | $335,837 Land $49,400 Building $286,437 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3550 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 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 risk around 3550 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 Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Summit Broadband Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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