5524 Saddleback Ct, Lady Lake, FL 32159 Property Records

Lake County property record for 5524 Saddleback Ct, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,066 sqft · built 1999
Lot Size	0.28 acres (12,200 sqft)
Owner	Individual Name on File
Last Sale	$369,000 (Jan 2026)
Tax Bill	$5,553 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-24-0475-00B-00200`

Property Details

APN / Parcel Number

Primary APN	`13-18-24-0475-00B-00200`
Alternative APNs	`241813047500B00200` `3683901`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,066 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	2,066 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,200 sqft (0.28 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	354 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3683901
Street Address	5524 SADDLEBACK CT
City	LADY LAKE
State	FL
Zip	32159-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HARBOR HILLS SADDLEBACK COURT SUB LOT 2 BLK B PB 36 PGS 56-57 ORB 4419 PG 2269
Legal Range	24E
Legal Township	18S
Legal Section	13
Legal Subdivision	HARBOR HILLS SADDLEBACK COURT SUB
Legal Tract	0475
Legal Block	B
Legal Lot Number	2
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	2
Census Block	2000
Census Tract	30410

Owner

5524 Saddleback Ct is owned and occupied by an individual who bought it in January 2026.

Source: Lake County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	5524 SADDLEBACK CT, LADY LAKE, FL 32159-6015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Dec 20, 2013 · Amount on File
Deed Document Number	20262313
Deed Book / Page	6662 / 608
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 7, 2026
Property Address	5524 SADDLEBACK CT, LADY LAKE, FL 32159-6015
Document Number	0066620608
Book / Page	6662 / 608
Map Reference	MB 36 PG 56
Instrument Date	Dec 31, 2025
Instrument	2026002313
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7807 SE 168TH LONE OAK LOOP, THE VILLAGES, FL 32162-8352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5524 SADDLEBACK CT, LADY LAKE, FL 32159-6015

Mortgage

Document Number	0006662610
Date	Jan 7, 2026
Instrument	6662/610

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

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		$377,170 (-) Land $80,000 Building $297,170	$377,170 (-) Land $80,000 Building $297,170
2025		$377,170 Land $80,000 Building $297,170	$377,170 Land $80,000 Building $297,170
2024	$5,553.00 (+9.85%)
2023	$5,055.00 (+19.48%)	$366,784 (+28.82%)	$366,784 (+28.82%) Land $80,000 Building $286,784
2022	$4,231.00	$284,722	$284,722 Land $40,000 Building $244,722

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

Flood

FEMA maps place 5524 Saddleback Ct in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 5524 Saddleback Ct is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.06% 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	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 109 locations within half a mile, as of December 31, 2025

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