5287 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5287 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,038 sqft · built 2004
Lot Size	0.16 acres (6,984 sqft)
Owner	Individual Name on File
Last Sale	$224,600 (Feb 2017)
Tax Bill	$2,413 (2024)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-28000`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-28000`
Alternative APN	`3803643`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,038 sqft Living Area
1st Floor Area	2,038 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	6,984 sqft (0.16 acres)
Garage Type	Finished
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	321 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3803643
Street Address	5287 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 280 PB 45 PGS 32-35 ORB 4907 PG 495
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	ROYAL HARBOR
Legal Phase	2
Legal Tract	1805
Legal Lot Number	280
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2041
Census Tract	31002

Owner

5287 Indian Ocean Loop is owned and occupied by an individual who bought it in February 2017.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5287 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2017 · Amount on File
Deed Sale	Feb 27, 2017 · Amount on File
Prior Sale	Jan 21, 2004 · Amount on File
Deed Document Number	2017020887
Deed Book / Page	4907 / 0495
Record Updated	Jun 8, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 27, 2017
Property Address	5287 INDIAN OCEAN LOOP, TAVARES, FL 32778-9257
Document Number	0049070495
Book / Page	4907 / 0495
Map Reference	MB 45 PG 32
Instrument Date	Feb 17, 2017
Instrument	2017020887
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	APPLE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 HWY AIA303, 1465, SATELLITE BEACH, FL 32937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15945 COBBLE MILL DR, WIMAUMA, FL 33598-4014

Mortgage

Document Number	2017020888
Date	Feb 27, 2017
Instrument	2017020888

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

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		$175,690 Land $49,400 Building $126,290	$319,113 Land $49,400 Building $269,713
2024	$2,413.00 (+5.79%)
2023	$2,281.00 (+1.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$165,770 (+2.99%)	$271,291 (-) Land $49,400 Building $221,891
2022	$2,248.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$160,950	$271,291 Land $49,400 Building $221,891

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

Flood

FEMA maps place 5287 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 5287 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.

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