5400 Lake St, Mount Dora, FL 32757 Property Records

Orange County property record for 5400 Lake St, Mount Dora, FL 32757

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,989 sqft · built 2004
Lot Size	2.32 acres (101,358 sqft)
Owner	2 Trust Names on File
Last Sale	$715,500 (May 2018)
Tax Bill	$11,266 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Re-recorded Document + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-20-27-5512-01-019`

Property Details

APN / Parcel Number

Primary APN	`08-20-27-5512-01-019`
Alternative APNs	`272008551201019` `102206` `102205` `102346`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,989 sqft Living Area
Gross Area	8,004 sqft
1st Floor Area	4,436 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	101,358 sqft (2.32 acres)
Garage Type	Attached
Garage Area	1,733 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	1,835 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5400 LAKE ST
City	MOUNT DORA
State	FL
Zip	32757-7164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	MAROTS ADDITION TO TANGERINE MTG E/506 THAT PART OF LOTS 1 & 2 & THE E1/2 OF LOT 3 DESC AS FROM THE NE COR OF LOT 1 RUN S ALONG THE E LINE OF LOT 1 FOR 190 FT E 30 FT FOR POB TH S
Legal Range	27E
Legal Township	20S
Legal Section	08
Legal Subdivision	MAROT ADD TO TANGERINE
Legal Tract	5512
Legal Block	3
Legal Lot Number	1,2,3
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2036
Census Tract	17901

Owner

5400 Lake St is owner-occupied and held in a trust since January 2020.

Source: Orange County records, as of April 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Nov 11, 2021	Re-recorded Document WFG LENDER SERVICES
Feb 18, 2020	Quit Claim Deed, Transfer OPTIMUM FIRST INC
Feb 18, 2020	Quit Claim Deed, Transfer WFG LENDER SERVICES, WFG LENDER SVCS
May 7, 2018	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	Mar 21, 2016 · Amount on File
Deed Document Number	2018269183
Last Transfer Date	Jan 24, 2020
Transfer Doc	0000099632
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Nov 2, 2021
Property Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Document Number	20210672654
Map Reference	MB E PG 506
Instrument Date	Oct 20, 2021
Instrument	20210672654
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164

Mortgage

Document Number	20210672655
Date	Nov 2, 2021
Instrument	20210672655

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

November 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ORANGE FL
Recording Date	Nov 11, 2021
Property Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Document Number	20210695814
Map Reference	MB E PG 506
Instrument Date	Oct 20, 2021
Instrument	20210695814
Record Updated	Jun 7, 2023
Title Company	WFG LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 18, 2020
Property Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Document Number	0000099633
Instrument Date	Jan 24, 2020
Instrument	99633
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 LAKE ST MOUNT DORA FL 327577164, MOUNT DORA, FL 32757-7164

Mortgage

Document Number	99634
Date	Feb 18, 2020
Instrument	99634

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 17, 2035

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Feb 18, 2020
Property Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Document Number	0000099632
Instrument Date	Jan 24, 2020
Instrument	99632
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5400 LAKE ST MOUNT DORA FL 327577164, MOUNT DORA, FL 32757-7164

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 7, 2018
Property Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164
Document Number	0000269183
Map Reference	MB E PG 506
Instrument Date	Apr 27, 2018
Instrument	20180269183
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	APPLE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,008.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	948 DENSDALE LN, 948, WINTER GARDEN, FL 34787-4998

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5400 LAKE ST, MOUNT DORA, FL 32757-7164

Mortgage

Document Number	0000269184
Date	May 7, 2018
Instrument	20180269184

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5400 Lake St was $11,266, up 3.8% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$735,276 (+2.7%)	$977,930 (-1.45%) Land $135,000 Building $842,930
2025	$11,266.00 (+3.76%) Homeowner's exemption	$715,945	$992,360 Land $135,000 Building $857,360
2024	$10,858.00 (+7.3%)
2023	$10,119.00 (+3.02%) Homeowner's exemption	$675,503 (+3%)	$893,729 (+15%) Land $135,000 Building $758,729
2022	$9,822.00 Homeowner's exemption	$655,828	$777,148 Land $135,000 Building $642,148

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

Flood

FEMA maps place 5400 Lake St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective September 24, 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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2004–2025)
Most Recent Claim	Oct 2025 · rainfall accumulation

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 5400 Lake St is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	TANGERINE PARK public/private · serves 851 people · EPA ID FL3481329
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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