5259 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5259 Indian Ocean Loop, Tavares, FL 32778 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,028 sqft · built 2002
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on File
Last Sale	$288,500 (Mar 2019)
Tax Bill	$4,942 (2024)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-28600`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-28600`
Alternative APN	`3803649`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,028 sqft Living Area
1st Floor Area	2,028 sqft 1st Floor
Stories	1 Story

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,800 sqft (0.202 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished
Garage Area	441 sqft Garage

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	219 sqft Pool
Patio Area	144 sqft Patio
Porch	Porch
Porch Area	279 sqft Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	3803649
Street Address	5259 INDIAN OCEAN LOOP
City	TAVARES
State	FL
Zip	32778-9257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAVARES ROYAL HARBOR PHASE 2 SUB LOT 286 PB 45 PGS 32-35 ORB 5252 PG 55
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	ROYAL HARBOR
Legal Phase	2
Legal Tract	1805
Legal Lot Number	286
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

Source: Lake County records · APN 13-20-25-1805-000-28600

Assessment roll updated July 1, 2025 · Last verified December 2025

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 File
Mailing Address	5259 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Prior Sale	Feb 03, 2015 · Amount on Record
Deed Document Number	2019031116
Deed Book / Page	5252 / 0055
Record Updated	Jun 08, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 22, 2019
Property Address	5259 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0052520055
Book / Page	005252 / 000055
Instrument Date	Mar 15, 2019
Instrument	31116
Transaction Type	Transfer
Record Updated	Apr 01, 2019
Title Company	APPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,019.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2105 CHESTNUT DR HUDSON WI 540161471, HUDSON, WI 54016-1471

Mortgage

Document Number	52520056
Date	Mar 22, 2019
Book Page	005252/000056
Instrument	31117

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$303,750 (+5.98%) Land $49,400 Building $254,350	$332,282 (+15.94%) Land $49,400 Building $282,882
2024	$4,942.00 (+5.22%)
2023	$4,697.00 (-2.59%) Homeowner's exemption	$286,598 (+0.11%)	$286,598 (+0.11%) Land $49,400 Building $237,198
2022	$4,822.00 Homeowner's exemption	$286,291	$286,291 Land $49,400 Building $236,891

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.