5348 Indian Ocean Loop, Tavares, FL 32778 Property Records

Lake County property record for 5348 Indian Ocean Loop, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 2002
Lot Size	0.121 acres (5,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jul 2024)
Tax Bill	$1,593 (2024)
Deeds & Mortgages	Dec 2025 Second Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1805-000-34300`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1805-000-34300`
Alternative APNs	`252013180500034300` `3803706`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,638 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,280 sqft (0.121 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3803706
Street Address	5348 INDIAN OCEAN LOOP
City	TAVARES
State	FL
Zip	32778-9261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TAVARES ROYAL HARBOR PHASE 2 SUB LOT 343 PB 45 PGS 32-35 ORB 6362 PG 889
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	TAVARES ROYAL HARBOR PHASE 2 SUB
Legal Tract	1805
Legal Lot Number	343
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2044
Census Tract	31002

Owner

Source: Lake County records, as of January 13, 2026

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	5348 INDIAN OCEAN LOOP, DEER ISLAND, FL 32778-9261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 21, 2017	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	202480000
Deed Book / Page	6362 / 889
Prior Transfer Date	Feb 10, 2011
Prior Transfer Doc	0040022264
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5348 INDIAN OCEAN LOOP, TAVARES, FL 32778-9261
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5348 INDIAN OCEAN LOOP, DEER ISLAND, FL 32778-9261

Mortgage

Document Number	0066571324
Date	Dec 30, 2025
Book Page	6657/1324
Instrument	2025158741

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	5348 INDIAN OCEAN LOOP, TAVARES, FL 32778-9261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055291058
Date	Aug 24, 2020
Book Page	5529/1058
Instrument	2020092391

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Feb 21, 2017
Property Address	5348 INDIAN OCEAN LOOP, TAVARES, FL 32778-9261
Document Number	0049042423
Book / Page	004904 / 002423
Instrument Date	Feb 15, 2017
Instrument	18938
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	TITLE SOURCES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$623.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5348 INDIAN OCEAN LOOP TAVARES FL 327789261, TAVARES, FL 32778-9261

Mortgage

Document Number	49042426
Date	Feb 21, 2017
Book Page	004904/002426
Instrument	18939

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$271,315 (-) Land $49,400 Building $221,915	$271,315 (-) Land $49,400 Building $221,915
2025		$271,315 (+117.05%) Land $49,400 Building $221,915	$271,315 (+13.34%) Land $49,400 Building $221,915
2024	$1,593.00 (+6.34%)
2023	$1,498.00 (-3.67%) Homeowner's exemption Widower's exemption	$125,000 (+3%)	$239,390 (-) Land $49,400 Building $189,990
2022	$1,555.00 Homeowner's exemption Widower's exemption	$121,360	$239,390 Land $49,400 Building $189,990

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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