3597 Umbrella Ct, Tavares, FL 32778 Property Records

Lake County property record for 3597 Umbrella Ct, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,344 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on Record
Last Sale	$360,000 (Mar 2023)
Tax Bill	$5,290 (2025)
Deeds & Mortgages	Mar 2023 Sale Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-0101-000-05200`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-0101-000-05200`
Alternative APNs	`252013010100005200` `3887616`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,344 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,052 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2024
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3887616
Street Address	3597 UMBRELLA CT
City	TAVARES
State	FL
Zip	32778-6202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK BEND REPLAT PB 65 PG 21-24 LOT 52 ORB 6106 PG 2376
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	OAK BEND REPLAT
Legal Tract	LA-6
Legal Lot Number	52
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2010
Census Tract	30805

Owner

Source: Lake County records, as of October 15, 2026

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

Owner of Record	Company Name on Record
Mailing Address	10900 NE 4TH ST, 2300, BELLEVUE, WA 98004-5882
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Land Contract, Transfer ATTORNEY ONLY, ATTORNEY
Mar 14, 2023	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Jul 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HOME1ST LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	202328621
Deed Book / Page	6106 / 2376
Prior Transfer Date	Jul 14, 2022
Prior Transfer Doc	0059931307
Record Updated	Oct 29, 2026

March 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	LAKE FL
Recording Date	Mar 31, 2023
Property Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202
Document Number	0061170884
Book / Page	6117 / 884
Map Reference	MB 65 PG 21-24
Instrument Date	Mar 10, 2023
Instrument	2023036813
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10900 NE 4TH ST # ST2300, ST2300, BELLEVUE, WA 98004-5873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 14, 2023
Property Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202
Document Number	0061062376
Book / Page	6106 / 2376
Map Reference	MB 65 PG 21-24
Instrument Date	Mar 10, 2023
Instrument	2023028621
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10900 NE 4TH ST STE 2300, 2300, BELLEVUE, WA 98004-5882
Investor	Possibly a Property Investor

Mortgage

Document Number	0061062379
Date	Mar 14, 2023
Instrument	6106/2379

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Jul 18, 2022
Property Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202
Document Number	0059931307
Book / Page	5993 / 1307
Map Reference	MB 65 PG 21-24
Instrument Date	Apr 21, 2022
Instrument	2022097781
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9105 BROOKFIELD TERRACE, BRANDON, FL 33511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3597 UMBRELLA CT, TAVARES, FL 32778-6202

Mortgage

Document Number	0059931311
Date	Jul 18, 2022
Instrument	5993/1311

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,011 (-) Land $47,450 Building $226,561	$274,011 (-) Land $47,450 Building $226,561
2025	$5,290.00 (-1.16%)	$274,011 (+45.95%) Land $47,450 Building $226,561	$274,011 (+2.72%) Land $47,450 Building $226,561
2024	$5,352.00 (+91.21%)
2023	$2,799.00 (+1.12%)	$187,740 (+3%)	$266,743 (-) Land $47,450 Building $219,293
2022	$2,768.00 Homeowner's exemption	$182,280	$266,743 Land $47,450 Building $219,293

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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 260 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
Starlink Satellite	280 / 30

May also be available: CenturyLink, Hotwire Communications, Summit Broadband.

Nearby Properties on Umbrella Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures