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5540 Spinnaker Loop, Lady Lake, FL 32159 Property Records

Lake County property record for 5540 Spinnaker Loop, Lady Lake, FL 32159 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2021
Square Footage2,418 sqft Living Area
Lot Size22,950 sqft (0.526 acres)
OccupancyOwner Occupied
Last Sale$499,000 (2021)
Tax Bill$5,703.00 (2024)

Property Details

APN / Parcel Number

Primary APN13-18-24-0500-00H-00300
Alternative APN
  • 3277783

Interior

Bedrooms3 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area2,418 sqft Living Area
1st Floor2,418 sqft 1st Floor
Stories1 Stories
FireplaceSingle Fireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2021
Exterior MaterialBrick Veneer Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialShingle Roof
Lot Area22,950 sqft (0.526 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area644 sqft Garage

Exterior Amenities

Pool TypePool with Hot Tub/Spa Pool Type
Pool Area300 sqft Pool
PorchOpen Porch
Porch Area471 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3277783
Street Address5540 SPINNAKER LOOP
CityLADY LAKE
StateFL
Zip32159-6030
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHARBOR HILLS UNIT 1 LOT 3 BLK H PB 30 PGS 13-27 ORB 5821 PG 242
Legal Range24E
Legal Township18S
Legal Section13
Legal SubdivisionARBOR HILLS UNIT 1
Legal Tract500
Legal BlockH
Legal Lot Number3
Legal Unit1
JurisdictionLAKE FL
Minor Civil DivisionFRUITLAND PARK-LADY LAKE
Census Blockgroup2
Census Block2000
Census Tract30410

Owner

Source: Lake County records · APN 13-18-24-0500-00H-00300

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 25, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
May 27, 2020Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Oct 26, 2018Deed of Trust, Mortgage · Line of Credit
INSIGHT CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 25, 2021 · Amount on Record
Deed SaleOct 25, 2021 · Amount on Record
Prior SaleMay 27, 2020 · Amount on Record
Deed Doc Number2021147036
Deed Book / Page5821 / 242
Record RefreshedJun 08, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateOct 25, 2021
Property Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030
Document Number0058210242
Book / Page5821 / 242
Map ReferenceMB 30 PG 13-27
Instrument DateOct 15, 2021
Instrument2021147036
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,493.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 791, LADY LAKE, FL 32158-0791

Transferred To (Grantee/Buyer)

NameVerified Name
Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030

Mortgage

Document Number0005821244
DateOct 25, 2021
Instrument5821/244
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2036

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMay 27, 2020
Property Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030
Document Number0054760754
Book / Page5476 / 754
Map ReferenceMB 30 PG 13
Instrument DateMay 22, 2020
Instrument2020057140
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyAFFILIATED TTL OF CTRL FL LT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address10880 SE TIMUCUAN RD, 10880, SUMMERFIELD, FL 34491-4650

Transferred To (Grantee/Buyer)

NameVerified Name
Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030

Mortgage

Document Number0005476756
DateMay 27, 2020
Instrument5476/756
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2050

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address5540 SPINNAKER LOOP, LADY LAKE, FL 32159-6030
Document Number0051950939
Instrument DateOct 26, 2018
Transaction TypeMortgage
Record UpdatedNov 19, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5540 SPINNAKER LOOP LADY LAKE FL 321596030, LADY LAKE, FL 32159-6030

Mortgage

Document Number0051950939
DateNov 07, 2018
Book Page005195/000939
Instrument130724
Lender
NameINSIGHT CU
AddressORLANDO, FL 32801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueNov 06, 2038
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$407,040 (+5.99%) Land $110,000 Building $297,040$454,807 (+2.27%) Land $110,000 Building $344,807
2024$5,703.00 (+7.38%)
2023$5,311.00 (+4.9%) Homeowner's exemption$384,050 (+3%)$444,730 (+19.27%) Land $110,000 Building $334,730
2022$5,063.00 Homeowner's exemption$372,873$372,873 Land $68,200 Building $304,673

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 32% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 3,125 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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