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5097 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5097 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,135 sqft · built 2006
Lot Size0.162 acres (7,052 sqft)
Owner2 Individual Names on File
Last Sale$365,000 (Oct 2022)
Tax Bill$4,432 (2025)
Deeds & MortgagesAug 2026 Sale
Oct 2022 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN13-20-25-1805-000-29500

Property Details

APN / Parcel Number

Primary APN13-20-25-1805-000-29500
Alternative APNs
  • 252013180500029500
  • 3803658

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,135 sqft Living Area
Gross Area2,840 sqft
1st Floor Area1,829 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2024
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area7,052 sqft (0.162 acres)
Garage TypeAttached
Garage Area705 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area396 sqft
Deck AreaDeck Area
Patio Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3803658
Street Address5097 INDIAN OCEAN LOOP
CityTAVARES
StateFL
Zip32778-9272
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionTAVARES ROYAL HARBOR PHASE 2 SUB LOT 295 PB 45 PGS 32-35 ORB 6034 PG 589
Legal Range25E
Legal Township20S
Legal Section13
Legal SubdivisionTAVARES ROYAL HARBOR PHASE 2 SUB
Legal Tract1805
Legal Lot Number295
JurisdictionLAKE FL
Township / Civil DivisionTAVARES
Census Block Group2
Census Block2041
Census Tract31002

Owner

5097 Indian Ocean Loop is owned and occupied by two individuals who acquired it in July 2026.

Source: Lake County records, as of August 14, 2026

Owner of Record2 Individual Names on File
Mailing Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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

DateDocument
Aug 3, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 6, 2022Warranty Deed, Transfer
WATSON TITLE SERVICES INC
Dec 9, 2020Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Nov 28, 2017Warranty Deed, Transfer
APPLE TITLE LIMITED

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 6, 2022 · Amount on File
Deed SaleOct 6, 2022 · Amount on File
Prior SaleDec 9, 2020 · Amount on File
Deed Document Number2022132410
Deed Book / Page6034 / 589
Last Transfer DateJul 29, 2026
Transfer Doc0000094784
Record UpdatedSep 20, 2026

August 2026: Deed, Transfer

Document TypeDeed
JurisdictionLAKE FL
Recording DateAug 3, 2026
Property Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number0000094784
Book / Page6787 / 1532
Instrument DateJul 29, 2026
Instrument202694784
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateOct 6, 2022
Property Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number0060340589
Book / Page6034 / 589
Map ReferenceMB 45 PG 3-35
Instrument DateSep 26, 2022
Instrument2022132410
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyWATSON TITLE SERVICES INC

Transaction

AmountAmount on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3686 ARLINGTON RIDGE BLVD, LEESBURG, FL 34748-1310

Transferred To (Grantee/Buyer)

NameVerified Name
Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateDec 9, 2020
Property Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number0055972027
Book / Page5597 / 2027
Map ReferenceMB 45 PG 32-35
Instrument DateNov 30, 2020
Instrument2020138705
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyAPPLE TITLE LTD

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,704.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address650 N ATLANTIC AVE # AVE510, 650, COCOA BEACH, FL 32931-3119

Transferred To (Grantee/Buyer)

NameVerified Name
Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272

Mortgage

Document Number0055972028
DateDec 9, 2020
Instrument5597/2028
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2050

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateNov 28, 2017
Property Address5097 INDIAN OCEAN LOOP, TAVARES, FL 32778-9272
Document Number0050311345
Book / Page005031 / 001345
Instrument DateNov 13, 2017
Instrument125494
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyAPPLE TITLE LIMITED

Transaction

AmountAmount on Record
Tax$1,487.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5097 INDIAN OCEAN LOOP TAVARES FL 327789272, TAVARES, FL 32778-9272

Tax Assessment & Valuation

The 2025 property tax bill for 5097 Indian Ocean Loop was $4,432 with a homeowner's exemption, up 2% from the year before.

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$280,100 (+2.9%)$293,648 (-) Land $49,400 Building $244,248
2025$4,432.00 (+2.05%) Homeowner's exemption$272,210 Land $49,400 Building $222,810$293,648 Land $49,400 Building $244,248
2024$4,343.00 (+5.28%)
2023$4,125.00 (+26.19%) Homeowner's exemption$256,842 (+20.78%)$256,842 (-) Land $49,400 Building $207,442
2022$3,269.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$212,650$256,842 Land $49,400 Building $207,442

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

Flood

FEMA maps place 5097 Indian Ocean Loop in Zone X, an area of minimal flood risk.

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
Flood Insurance CostPremium on File
median of 18 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies18 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

Wildfire risk around 5097 Indian Ocean Loop 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemTAVARES WATER DEPARTMENT (4 WPS)
serves 22,007 people · EPA ID FL3351333
Water SourceGroundwater
Last State InspectionNov 2023
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

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