5320 Saddleback Ct, Lady Lake, FL 32159 Property Records

Lake County property record for 5320 Saddleback Ct, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,085 sqft · built 2002
Lot Size	0.505 acres (22,006 sqft)
Owner	Individual Name on File
Last Sale	$286,000 (Jan 2018)
Tax Bill	$860 (2024)
Deeds & Mortgages	May 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-24-0500-00R-02300`

Property Details

APN / Parcel Number

Primary APN	`13-18-24-0500-00R-02300`
Alternative APN	`3391616`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,085 sqft Living Area
1st Floor Area	2,085 sqft

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	22,006 sqft (0.505 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	216 sqft
Porch	Open Porch
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3391616
Street Address	5320 SADDLEBACK CT
City	LADY LAKE
State	FL
Zip	32159-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBOR HILLS UNIT 1 LOT 23 BLK R PB 30 PGS 13-27 ORB 5058 PG 1409
Legal Range	24E
Legal Township	18S
Legal Section	13
Legal Subdivision	ARBOR HILLS UNIT 1
Legal Tract	500
Legal Block	R
Legal Lot Number	23
Legal Unit	1
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	2
Census Block	2013
Census Tract	30410

Owner

5320 Saddleback Ct is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5320 SADDLEBACK CT, LADY LAKE, FL 32159-6012
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

Date	Document
May 8, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 25, 2018	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2018 · Amount on File
Deed Sale	Jan 25, 2018 · Amount on File
Prior Sale	Jul 30, 2010 · Amount on File
Deed Document Number	2018009778
Deed Book / Page	5058 / 1409
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5320 SADDLEBACK CT, LADY LAKE, FL 32159-6012
Document Number	0054692248
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5320 SADDLEBACK CT LADY LAKE FL 321596012, LADY LAKE, FL 32159-6012

Mortgage

Document Number	0054692248
Date	May 13, 2020
Book Page	005469/002248
Instrument	52924

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 25, 2018
Property Address	5320 SADDLEBACK CT, LADY LAKE, FL 32159-6012
Document Number	0050581409
Book / Page	5058 / 1409
Map Reference	MB 30 PG 13-27
Instrument Date	Jan 23, 2018
Instrument	2018009778
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FREEDOM TITLE & ESCROW COMPA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WHITMAN CT, 11, TROY, NY 12180-4732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 SADDLEBACK CT, LADY LAKE, FL 32159-6012

Mortgage

Document Number	2018009779
Date	Jan 25, 2018
Instrument	2018009779

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$248,030 Land $80,000 Building $168,030	$382,988 Land $80,000 Building $302,988
2024	$860.00 (+28.36%)
2023	$670.00 (+54.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,020 (+3%)	$373,647 (+27.38%) Land $80,000 Building $293,647
2022	$434.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$227,210	$293,325 Land $48,000 Building $245,325

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

Flood

FEMA maps place 5320 Saddleback Ct 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 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 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 5320 Saddleback Ct is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HARBOR HILLS - 2 WTPS public/private · serves 1,219 people · EPA ID FL3354781
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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