3615 Umbrella Ct, Tavares, FL 32778 Property Records

Lake County property record for 3615 Umbrella Ct, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,831 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$172,140 (Jun 2014)
Tax Bill	$3,055 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-0101-000-05000`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-0101-000-05000`
Alternative APN	`3887614`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,831 sqft Living Area
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Finished
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	54 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3887614
Street Address	3615 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 50 ORB 4495 PG 1448
Legal Section	13
Legal Subdivision	OAK BEND
Legal Tract	101
Legal Lot Number	50
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2010
Census Tract	30805

Owner

3615 Umbrella Ct is owned and occupied by an individual who bought it in June 2014.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3615 UMBRELLA CT, TAVARES, FL 32778-6202
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Oct 21, 2020	Loan Modification, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2014 · Amount on File
Deed Sale	Jun 27, 2014 · Amount on File
Deed Document Number	2014070684
Deed Book / Page	4495 / 1448
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3615 UMBRELLA CT, TAVARES, FL 32778-6202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 UMBRELLA CT, TAVARES, FL 32778-6202

Mortgage

Document Number	0055960908
Date	Dec 7, 2020
Book Page	5596/908
Instrument	2020137840

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	3615 UMBRELLA CT, TAVARES, FL 32778-6202
Document Number	0055961514
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 UMBRELLA CT TAVARES FL 327786202, TAVARES, FL 32778-6202

Mortgage

Document Number	0055961514
Date	Dec 7, 2020
Book Page	005596/001514
Instrument	137932

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$204,350 Land $47,450 Building $156,900	$305,648 Land $47,450 Building $258,198
2024	$3,055.00 (+5.49%)
2023	$2,896.00 (+1.08%) Homeowner's exemption	$192,820 (+3%)	$297,136 (-) Land $47,450 Building $249,686
2022	$2,865.00 Homeowner's exemption	$187,210	$297,136 Land $47,450 Building $249,686

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

Flood

FEMA maps place 3615 Umbrella Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 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

Wildfire risk around 3615 Umbrella Ct is low, with a 0.06% annual chance of 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.

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