5340 Saddleback Ct, Lady Lake, FL 32159 Property Records

Lake County property record for 5340 Saddleback Ct, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,347 sqft · built 1991
Lot Size	0.506 acres (22,028 sqft)
Owner	Individual Name on Record
Last Sale	$412,000 (Jun 2026)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-24-0500-00R-02500`

Property Details

APN / Parcel Number

Primary APN	`13-18-24-0500-00R-02500`
Alternative APNs	`241813050000R02500` `3258487`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,347 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	2,347 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	22,028 sqft (0.506 acres)
Garage Type	Attached
Garage Area	790 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	350 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3258487
Street Address	5340 SADDLEBACK CT
City	LADY LAKE
State	FL
Zip	32159-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HARBOR HILLS UNIT 1 LOT 25 BLK R PB 30 PGS 13-27 ORB 4758 PG 1032 ORB 4774 PG 1459 ORB 5953 PG 963
Legal Range	24E
Legal Township	18S
Legal Section	13
Legal Subdivision	HARBOR HILLS UNIT
Legal Tract	0500
Legal Block	R
Legal Lot Number	25
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	2
Census Block	2013
Census Tract	30410

Owner

Source: Lake County records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Feb 23, 2026	Warranty Deed, Transfer OS NATIONAL LLC
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Feb 23, 2026 · Amount on Record
Deed Document Number	202674462
Deed Book / Page	6759 / 1721
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	0059530966
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 17, 2026
Property Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013
Document Number	0000074462
Book / Page	6759 / 1721
Instrument Date	Jun 15, 2026
Instrument	202674462
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NATIONS TITLE, OS NATIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291,284.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013

Mortgage

Document Number	0000074463,
Date	Jun 17, 2026
Instrument	202674463

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 23, 2026
Property Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013
Document Number	0066860891
Book / Page	6686 / 891
Map Reference	MB 30 PG 13
Instrument Date	Feb 18, 2026
Instrument	2026021565
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3003 W INTERNATIONAL SPEEDWAY BLVD, DAYTONA BEACH, FL 32124-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 W WASHINGTON ST STE 115, 115, TEMPE, AZ 85288-1233
Investor	Possibly a Property Investor

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013

Mortgage

Document Number	0059511091
Date	May 5, 2022
Book Page	5951/1091
Instrument	2022063434

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	May 10, 2022
Property Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013
Document Number	0059530963
Book / Page	5953 / 963
Map Reference	MB 30 PG 13
Instrument Date	Apr 25, 2022
Instrument	2022065068
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5340 SADDLEBACK CT, LADY LAKE, FL 32159-6013

Mortgage

Document Number	0059530966
Date	May 10, 2022
Book Page	5953/966
Instrument	2022065069

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$297,810 (+2.9%)	$419,706 (-) Land $80,000 Building $339,706
2025	$4,260.00 (+2.63%) Homeowner's exemption	$289,420 (+5.98%) Land $80,000 Building $209,420	$419,706 (+2.47%) Land $80,000 Building $339,706
2024	$4,151.00 (+8.64%)
2023	$3,821.00 (+7.03%) Homeowner's exemption	$273,080 (+3%)	$409,598 (+26.48%) Land $80,000 Building $329,598
2022	$3,570.00 Homeowner's exemption	$265,130	$323,841 Land $48,000 Building $275,841

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 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

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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