5151 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5151 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,091 sqft · built 2005
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,000 (May 2026)
Tax Bill	$2,788 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-29200`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-29200`
Alternative APNs	`252013180500029200` `3803655`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,091 sqft Living Area
Gross Area	2,823 sqft
1st Floor Area	2,091 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,800 sqft (0.202 acres)
Garage Type	Attached
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	253 sqft
Porch	Finished/Open Porch
Porch Area	223 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3803655
Street Address	5151 INDIAN OCEAN LOOP
City	TAVARES
State	FL
Zip	32778-9257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TAVARES ROYAL HARBOR PHASE 2 SUB LOT 292 PB 45 PGS 32-35 ORB 2526 PG 159
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	TAVARES ROYAL HARBOR PHASE 2 SUB
Legal Tract	1805
Legal Lot Number	292
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

Source: Lake County records, as of May 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5151 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage ACRI MORTGAGE
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Mar 16, 2004 · Amount on Record
Deed Document Number	202654646
Deed Book / Page	6732 / 1313
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 5, 2026
Property Address	5151 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0000054646
Book / Page	6732 / 1313
Instrument Date	Apr 30, 2026
Instrument	2026.54646
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,176.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5151 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054648,
Date	May 5, 2026
Instrument	2026..54648

Lender

Name	ACRI MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 5, 2026
Property Address	5151 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0067321313
Book / Page	6732 / 1313
Instrument Date	Apr 30, 2026
Instrument	202654646
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,176.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5151 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054648,
Date	May 5, 2026
Instrument	202654648

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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		$195,810 (+2.9%)	$335,324 (-0.04%) Land $49,400 Building $285,924
2025		$190,300 (+5.98%) Land $49,400 Building $140,900	$335,463 (+16.01%) Land $49,400 Building $286,063
2024	$2,788.00 (+5.53%)
2023	$2,642.00 (+1.19%) Homeowner's exemption	$179,560 (+3%)	$289,155 (+0.05%) Land $49,400 Building $239,755
2022	$2,611.00 Homeowner's exemption	$174,330	$289,015 Land $49,400 Building $239,615

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 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.

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