5265 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5265 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,464 sqft · built 2006
Lot Size	0.212 acres (9,248 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Apr 2020)
Tax Bill	$7,172 (2024)
Deeds & Mortgages	May 2019 Line of Credit Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-28500`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-28500`
Alternative APN	`3803648`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,464 sqft Living Area
1st Floor Area	2,464 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,248 sqft (0.212 acres)
Garage Type	Finished
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	210 sqft
Porch	Open Porch
Porch Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3803648
Street Address	5265 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 285 PB 45 PGS 32-35 ORB 5455 PG 687
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	ROYAL HARBOR
Legal Phase	2
Legal Tract	1805
Legal Lot Number	285
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

Source: Lake County records, as of December 15, 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 Record
Mailing Address	2525 S 95TH CIR, OMAHA, NE 68124-1942
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Apr 14, 2020	Warranty Deed, Transfer METES AND BOUND TITLE COMPANY, METES & BOUND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on Record
Deed Sale	Apr 14, 2020 · Amount on Record
Prior Sale	Feb 9, 2015 · Amount on Record
Deed Document Number	2020043436
Deed Book / Page	5455 / 687
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5265 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052720492
Date	May 1, 2019
Book Page	5272/0492
Instrument	2019048078

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 14, 2020
Property Address	5265 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0054550687
Book / Page	005455 / 000687
Instrument Date	Apr 9, 2020
Instrument	43440
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	METES AND BOUND TITLE COMPANY, METES & BOUND TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 S 95TH CIR OMAHA NE 681241942, OMAHA, NE 68124-1942

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$375,055 (+13.36%) Land $49,400 Building $325,655	$375,055 (+13.36%) Land $49,400 Building $325,655
2024	$7,172.00 (+12.93%)
2023	$6,351.00 (+2.19%)	$330,858 (+0.08%)	$330,858 (+0.08%) Land $49,400 Building $281,458
2022	$6,215.00	$330,592	$330,592 Land $49,400 Building $281,192

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 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