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3635 Stephen Rd, Lady Lake, FL 32159 Property Records

Lake County property record for 3635 Stephen Rd, Lady Lake, FL 32159

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,510 sqft · built 1990
Lot Size1 acres (43,782 sqft)
OwnerIndividual Name on Record
Last Sale$399,900 (Aug 2021)
Tax Bill$760 (2024)
Deeds & MortgagesAug 2021 Sale & Mortgage
Jan 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN27-18-24-0050-000-00300

Property Details

APN / Parcel Number

Primary APN27-18-24-0050-000-00300
Alternative APN
  • 3337140

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,510 sqft Living Area
1st Floor Area2,510 sqft

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 2022
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area43,782 sqft (1 acres)
Garage TypeFinished
Garage Area720 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area250 sqft
PorchOpen Porch
Porch Area250 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3337140
Street Address3635 STEPHEN RD
CityLADY LAKE
StateFL
Zip32159-5328
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGLENN HILLS SUB LOT 3 PB 31 PGS 51-52 ORB 5763 PG 601
Legal Range24E
Legal Township18S
Legal Section27
Legal SubdivisionGLENN HILLS
Legal Tract50
Legal Lot Number3
JurisdictionLAKE FL
Township / Civil DivisionFRUITLAND PARK-LADY LAKE
Census Block Group1
Census Block1034
Census Tract30411

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3635 STEPHEN RD, LADY LAKE, FL 32159-5328
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 2, 2021Warranty Deed, Transfer · VA Mortgage
GREAT WESTERN FINANCIAL SERVICES IN
Jan 25, 2017Deed of Trust, Mortgage · VA Mortgage
AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2021 · Amount on Record
Deed SaleAug 2, 2021 · Amount on Record
Deed Document Number2021105508
Deed Book / Page5763 / 601
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 2, 2021
Property Address3635 STEPHEN RD, LADY LAKE, FL 32159-5328
Document Number0057630601
Book / Page5763 / 601
Map ReferenceMB 31 PG 51&52
Instrument DateJul 28, 2021
Instrument2021105508
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyORANGE TITLE INSURANCE AGENCY, ORANGE TITLE INSURANCE AGCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,799.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12691SE SE 178TH PL, SUMMERFIELD, FL 34491

Transferred To (Grantee/Buyer)

NameVerified Name
Address2441 HAYES RD, HAYES, VA 23072-3444

Mortgage

Document Number0005763603
DateAug 2, 2021
Instrument5763/603
Lender
NameGREAT WESTERN FINANCIAL SERVICES IN
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address3635 STEPHEN RD, LADY LAKE, FL 32159-5328
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0048931791
DateJan 25, 2017
Book Page4893/1791
Instrument2017008624
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$376,550 (+2.7%) Land $43,200 Building $333,350$376,550 (+2.7%) Land $43,200 Building $333,350
2024$760.00 (+33.33%)
2023$570.00 (+44.3%) Homeowner's exemption Widower's exemption$366,636 (-)$366,636 (-) Land $43,200 Building $323,436
2022$395.00 Homeowner's exemption Widower's exemption$366,636$366,636 Land $43,200 Building $323,436

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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

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

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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