3705 Umbrella Ct, Tavares, FL 32778 Property Records

Lake County property record for 3705 Umbrella Ct, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,889 sqft · built 2014
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Jul 2022)
Tax Bill	$5,288 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-0101-000-04300`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-0101-000-04300`
Alternative APN	`3887607`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,889 sqft Living Area
1st Floor Area	1,688 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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	432 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3887607
Street Address	3705 UMBRELLA CT
City	TAVARES
State	FL
Zip	32778-6201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK BEND REPLAT PB 65 PG 21-24 LOT 43 ORB 6003 PG 2075
Legal Section	13
Legal Subdivision	OAK BEND
Legal Tract	101
Legal Lot Number	43
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2010
Census Tract	30805

Owner

3705 Umbrella Ct is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3705 UMBRELLA CT, TAVARES, FL 32778-6201
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
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Feb 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jun 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Aug 18, 2014 · Amount on File
Deed Document Number	0060032075
Deed Book / Page	4880 / 0379
Prior Transfer Date	Dec 27, 2016
Prior Transfer Doc	2016132207
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3705 UMBRELLA CT, TAVARES, FL 32778-6201
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 KERSEY ST 4324, 4324, DAVENPORT, FL 33897-9634

Mortgage

Document Number	0060032077
Date	Aug 4, 2022
Book Page	6003/2077
Instrument	2022106190

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3705 UMBRELLA CT, TAVARES, FL 32778-6201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	APPLE TITLE LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052380190
Date	Feb 19, 2019
Book Page	5238/0190
Instrument	2019018923

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Jun 19, 2017
Property Address	3705 UMBRELLA CT, TAVARES, FL 32778-6201
Document Number	0049600943
Book / Page	004960 / 000943
Instrument Date	Jun 6, 2017
Instrument	66079
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2531 UMATILLA FL 327842531, UMATILLA, FL 32784-2531

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		$314,632 Land $47,450 Building $267,182	$314,632 Land $47,450 Building $267,182
2024	$5,288.00 (+5.02%)
2023	$5,035.00 (+36.86%) Homeowner's exemption	$304,247 (+33.2%)	$304,247 (-) Land $47,450 Building $256,797
2022	$3,679.00 Homeowner's exemption	$228,410	$304,247 Land $47,450 Building $256,797

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

Flood

FEMA maps place 3705 Umbrella Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3705 Umbrella Ct is low, with a 0.05% 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	0.05% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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