5221 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5221 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,742 sqft · built 2004
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$372,500 (Jul 2023)
Tax Bill	$1,596 (2024)
Deeds & Mortgages	Jul 2023 Sale Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-28900`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-28900`
Alternative APNs	`252013180500028900` `3803652`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,742 sqft Living Area
Gross Area	2,489 sqft
1st Floor Area	1,742 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	372 sqft
Deck Area	Deck Area
Patio Area	44 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3803652
Street Address	5221 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 289 PB 45 PGS 32-35 ORB 6175 PG 355 ORB 6538 PG 2324
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	TAVARES ROYAL HARBOR PHASE 2 SUB
Legal Tract	1805
Legal Lot Number	289
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

5221 Indian Ocean Loop is owned and occupied by two individuals who bought it in July 2023.

Source: Lake County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life 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

Date	Document
Jul 12, 2023	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on File
Deed Sale	Jul 12, 2023 · Amount on File
Prior Sale	Jul 17, 2007 · Amount on File
Deed Document Number	202383838
Deed Book / Page	6175 / 355
Prior Transfer Date	Jan 12, 2021
Prior Transfer Doc	0056202194
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 12, 2023
Property Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0061750355
Book / Page	6175 / 355
Map Reference	MB 45 PG 32-35
Instrument Date	Jul 10, 2023
Instrument	2023083838
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Tax	$2,607.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3236 W 3RD ST, TAVARES, FL 32778-9771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060912275
Date	Feb 13, 2023
Book Page	6091/2275
Instrument	2023016300

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Jan 13, 2021
Property Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0056202194
Book / Page	5620 / 2194
Map Reference	MB 45 PG 32-35
Instrument Date	Jan 12, 2021
Instrument	2021006193
Transaction Type	Transfer
Record Updated	May 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5221 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257

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		$131,180 (+2.89%)	$288,230 (-) Land $49,400 Building $238,830
2025		$127,490 Land $49,400 Building $78,090	$288,230 Land $49,400 Building $238,830
2024	$1,596.00 (-17.6%)
2023	$1,937.00 (+1.57%) Homeowner's exemption	$142,860 (+3%)	$253,523 (-) Land $49,400 Building $204,123
2022	$1,907.00 Homeowner's exemption	$138,700	$253,523 Land $49,400 Building $204,123

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

FEMA maps place 5221 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5221 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 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.

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