5089 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5089 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,235 sqft · built 2004
Lot Size	0.34 acres (14,826 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Aug 2017)
Tax Bill	$3,490 (2024)
Deeds & Mortgages	Mar 2018 Transfer Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-29900`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-29900`
Alternative APNs	`252013180500029900` `3803662`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,235 sqft Living Area
Gross Area	2,967 sqft
1st Floor Area	2,235 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,826 sqft (0.34 acres)
Garage Type	Attached
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	325 sqft
Porch	Finished/Open Porch
Porch Area	351 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3803662
Street Address	5089 INDIAN OCEAN LOOP
City	TAVARES
State	FL
Zip	32778-9272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TAVARES ROYAL HARBOR PHASE 2 SUB LOT 299 PB 45 PGS 32-35 ORB 4987 PG 2176 ORB 5080 PG 1890
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	TAVARES ROYAL HARBOR PHASE 2 SUB
Legal Tract	1805
Legal Lot Number	299
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

Source: Lake County records, as of November 26, 2025

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	5089 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 16, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Prior Sale	Nov 12, 2003 · Amount on Record
Deed Document Number	201788657
Deed Book / Page	4987 / 2176
Last Transfer Date	Mar 14, 2018
Transfer Doc	0050801890
Record Updated	Jun 8, 2026

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Mar 15, 2018
Property Address	5089 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number	0050801890
Book / Page	005080 / 001890
Instrument Date	Mar 14, 2018
Instrument	30242
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5089 INDIAN OCEAN LOOP TAVARES FL 327789272, TAVARES, FL 32778-9272

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 16, 2017
Property Address	5089 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number	0049872176
Book / Page	4987 / 2176
Map Reference	MB 45 PG 32-35
Instrument Date	Aug 9, 2017
Instrument	2017088657
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	APPLE TITLE LTD

Transaction

Amount	Amount Recorded
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 TOWNSEND WAY, 32, CLARKSVILLE, TN 37043-5569

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5089 INDIAN OCEAN LOOP, JACKSONVILLE, FL 32277

Mortgage

Document Number	2017088658
Date	Aug 16, 2017
Instrument	2017088658

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

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		$258,430 (+2.9%)	$357,260 (-0.04%) Land $55,328 Building $301,932
2025		$251,150 (+5.98%) Land $55,328 Building $195,822	$357,390 (+15.77%) Land $55,328 Building $302,062
2024	$3,490.00 (+5.92%)
2023	$3,295.00 (+1.07%) Homeowner's exemption Senior Citizen's exemption	$236,980 (+3%)	$308,709 (+0.04%) Land $55,328 Building $253,381
2022	$3,260.00 Homeowner's exemption Senior Citizen's exemption	$230,080	$308,578 Land $55,328 Building $253,250

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 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 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 Risk	Low lower than 65% of the US · lower than 91% 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink, Xfinity.

Nearby Properties on Indian Ocean Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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