5400 Saddleback Ct, Lady Lake, FL 32159 Property Records

Lake County property record for 5400 Saddleback Ct, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,895 sqft · built 1996
Lot Size	0.417 acres (18,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Oct 2025)
Tax Bill	$860 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-18-24-0475-00A-00100`

Property Details

APN / Parcel Number

Primary APN	`13-18-24-0475-00A-00100`
Alternative APNs	`241813047500A00100` `3683820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,895 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	1,895 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	18,143 sqft (0.417 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	209 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	3683820
Street Address	5400 SADDLEBACK CT
City	LADY LAKE
State	FL
Zip	32159-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HARBOR HILLS SADDLEBACK COURT SUB LOT 1 BLK A PB 36 PGS 56-57 ORB 5129 PG 188
Legal Range	24E
Legal Township	18S
Legal Section	13
Legal Subdivision	HARBOR HILLS SADDLEBACK COURT SUB
Legal Tract	0475
Legal Block	A
Legal Lot Number	1
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 November 26, 2025

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	5400 SADDLEBACK CT, LADY LAKE, FL 32159-6035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage NATIONS LNDG
Feb 7, 2017	Warranty Deed, Transfer FREEDOM TITLE AND ESCROW, FREEDOM TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	2025129739
Deed Book / Page	6617 / 2275
Prior Transfer Date	Apr 24, 2009
Prior Transfer Doc	0037650240
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 21, 2025
Property Address	5400 SADDLEBACK CT, LADY LAKE, FL 32159-6035
Document Number	0066172275
Book / Page	6617 / 2275
Map Reference	MB 36 PG 56&57
Instrument Date	Oct 17, 2025
Instrument	2025129739
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 LAKEWOOD DR, TULLAHOMA, TN 37388-5227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 SADDLEBACK CT, LADY LAKE, FL 32159-6035

Mortgage

Document Number	0066172277
Date	Oct 21, 2025
Instrument	6617/2277

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 22, 2018
Property Address	5400 SADDLEBACK CT, LADY LAKE, FL 32159-6035
Document Number	0051290188
Book / Page	005129 / 000188
Instrument Date	Jun 15, 2018
Instrument	72952
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	FREEDOM TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25172 PATRICIA AVE WARREN MI 480913870, WARREN, MI 48091-3870

Mortgage

Document Number	51290190
Date	Jun 22, 2018
Book Page	005129/000190
Instrument	72953

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 7, 2017
Property Address	5400 SADDLEBACK CT, LADY LAKE, FL 32159-6035
Document Number	0048991715
Book / Page	004899 / 001715
Instrument Date	Jan 30, 2017
Instrument	13949
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	FREEDOM TITLE AND ESCROW, FREEDOM TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 SADDLEBACK CT LADY LAKE FL 321596035, LADY LAKE, FL 32159-6035

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		$248,220 (+2.9%)	$371,882 (-) Land $80,000 Building $291,882
2025		$241,230 (+2.9%) Land $80,000 Building $161,230	$371,882 (-) Land $80,000 Building $291,882
2024	$860.00 (+28.36%) Homeowner's exemption Veteran's exemption	$234,440 (+3%) Land $80,000 Building $154,440	$371,882 (+2.34%) Land $80,000 Building $291,882
2023	$670.00 (+54.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$227,620 (+3%)	$363,391 (+27.38%) Land $80,000 Building $283,391
2022	$434.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$220,990	$285,283 Land $40,000 Building $245,283

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 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.

Nearby Properties on Saddleback Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures