423 First St, Tavares, FL 32778 Property Records

Lake County property record for 423 First St, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,168 sqft · built 1959
Lot Size	0.217 acres (9,492 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Oct 2018)
Tax Bill	$1,228 (2024)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-19-26-0300-000-02300`

Property Details

APN / Parcel Number

Primary APN	`20-19-26-0300-000-02300`
Alternative APN	`1378214`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Tar & Gravel
Lot Area	9,492 sqft (0.217 acres)
Lot Dimensions	110 ft deep x 87 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	128 sqft
Patio Area	276 sqft
Utility Building	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	1378214
Street Address	423 FIRST ST
City	TAVARES
State	FL
Zip	32778-2142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAVARES NORTH LAKEWOOD PARK LOT 23 PB 14 PG 11 ORB 5188 PG 804
Legal Range	26E
Legal Township	19S
Legal Section	20
Legal Subdivision	LAKEWOOD
Legal Tract	300
Legal Lot Number	23
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2044
Census Tract	30803

Owner

423 First St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	423 FIRST ST, TAVARES, FL 32778-2142
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2018 · Amount on File
Deed Sale	Oct 23, 2018 · Amount on File
Prior Sale	Feb 12, 2003
Deed Document Number	2018124408
Deed Book / Page	5188 / 0804
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 23, 2018
Property Address	423 FIRST ST, TAVARES, FL 32778-2142
Document Number	0051880804
Book / Page	005188 / 000804
Instrument Date	Oct 17, 2018
Instrument	124408
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	EQUITABLE TITLE/MID-FLORIDA LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	423 FIRST ST TAVARES FL 327782142, TAVARES, FL 32778-2142

Mortgage

Document Number	51880806
Date	Oct 23, 2018
Book Page	005188/000806
Instrument	124409

Lender

Name	CHRISTINA L BENDER
Address	PO BOX 224, HERCULANEUM, MO 63048-0224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2048

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		$108,110 Land $104,000 Building $4,110	$212,629 Land $104,000 Building $108,629
2024	$1,228.00 (+6.5%)
2023	$1,153.00 (+2.58%) Homeowner's exemption	$102,010 (+3%)	$209,139 (+34.72%) Land $104,000 Building $105,139
2022	$1,124.00 Homeowner's exemption	$99,040	$155,239 Land $50,100 Building $105,139

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

Flood

FEMA maps place 423 First St 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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2003–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 423 First St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20