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5445 Saddleback Ct, Lady Lake, FL 32159 Property Records

Lake County property record for 5445 Saddleback Ct, Lady Lake, FL 32159

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,718 sqft · built 1999
Lot Size0.559 acres (24,355 sqft)
OwnerIndividual Name on Record
Last Sale$540,000 (Mar 2023)
Tax Bill$6,895 (2024)
Deeds & MortgagesJan 2022 Mortgage
Mar 2023 Sale
Flood ZoneZone X (minimal risk)
APN13-18-24-0500-00O-00100

Property Details

APN / Parcel Number

Primary APN13-18-24-0500-00O-00100
Alternative APN
  • 3391110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,718 sqft Living Area
1st Floor Area2,718 sqft

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2022
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area24,355 sqft (0.559 acres)
Garage TypeFinished
Garage Area658 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area336 sqft
PorchOpen Porch
Porch Area275 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3391110
Street Address5445 SADDLEBACK CT
CityLADY LAKE
StateFL
Zip32159-6036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARBOR HILLS UNIT 1 LOT 1 BLK O PB 30 PGS 13-27 ORB 6114 PG 1654
Legal Range24E
Legal Township18S
Legal Section13
Legal SubdivisionARBOR HILLS UNIT 1
Legal Tract500
Legal BlockO
Legal Lot Number1
Legal Unit1
JurisdictionLAKE FL
Township / Civil DivisionFRUITLAND PARK-LADY LAKE
Census Block Group2
Census Block2007
Census Tract30410

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address5445 SADDLEBACK CT, LADY LAKE, FL 32159-6036
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 11, 2022Deed of Trust, Mortgage · VA Mortgage
TOP FLITE FINANCIAL INC
Mar 28, 2023Warranty Deed, Transfer
MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 28, 2023 · Amount on Record
Deed SaleMar 28, 2023 · Amount on Record
Prior SaleDec 19, 2014 · Amount on Record
Deed Document Number2023034653
Deed Book / Page6114 / 1654
Record UpdatedJun 8, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address5445 SADDLEBACK CT, LADY LAKE, FL 32159-6036
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5445 SADDLEBACK CT, LADY LAKE, FL 32159-6036

Mortgage

Document Number0058741899
DateJan 11, 2022
Book Page5874/1899
Instrument2022005064
Lender
NameTOP FLITE FINANCIAL INC
TypeMortgage Company
AddressWILLIAMSTON, MI 48895
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMar 28, 2023
Property Address5445 SADDLEBACK CT, LADY LAKE, FL 32159-6036
Document Number0061141654
Book / Page6114 / 1654
Map ReferenceMB 30 PG 13
Instrument DateMar 23, 2023
Instrument2023034653
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

AmountAmount Recorded
Tax$3,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address850 TEAGUE TRL, LADY LAKE, FL 32159-3134

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5445 SADDLEBACK CT, LADY LAKE, FL 32159-6036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$444,692 (+63.59%) Land $80,000 Building $364,692$444,692 (+2.6%) Land $80,000 Building $364,692
2024$6,895.00 (+87.87%)
2023$3,670.00 (+3.67%)$271,830 (+3%)$433,411 (+26.54%) Land $80,000 Building $353,411
2022$3,540.00 Homeowner's exemption Disabled Person's exemption$263,920$342,511 Land $48,000 Building $294,511

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies22 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemHARBOR HILLS - 2 WTPS
public/private · serves 1,219 people · EPA ID FL3354781
Water SourceGroundwater
Last State InspectionJan 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 109 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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