5581 Gulf Stream St, Tavares, FL 32778 Property Records

Lake County property record for 5581 Gulf Stream St, Tavares, FL 32778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,604 sqft · built 2000
Lot Size	0.317 acres (13,828 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jun 2021)
Tax Bill	$5,744 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-20-25-1800-000-14900`

Property Details

APN / Parcel Number

Primary APN	`13-20-25-1800-000-14900`
Alternative APNs	`252013180000014900` `3791202`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,604 sqft Living Area
Gross Area	3,198 sqft
1st Floor Area	2,564 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,828 sqft (0.317 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Florida Room
Porch Area	516 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3791202
Street Address	5581 GULF STREAM ST
City	TAVARES
State	FL
Zip	32778-9237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TAVARES ROYAL HARBOR PHASE I SUB LOT 149 PB 42 PGS 1-5 ORB 5736 PG 1690 ORB 6580 PG 2299
Legal Range	25E
Legal Township	20S
Legal Section	13
Legal Subdivision	TAVARES ROYAL HARBOR PHASE I SUB
Legal Tract	1800
Legal Lot Number	149
Jurisdiction	LAKE FL
Township / Civil Division	TAVARES
Census Block Group	2
Census Block	2053
Census Tract	31002

Owner

5581 Gulf Stream St is owned and occupied by two individuals who acquired it in August 2025.

Source: Lake County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5581 GULF STREAM ST, TAVARES, FL 32778-9237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	202186733
Deed Book / Page	5736 / 1690
Last Transfer Date	Aug 7, 2025
Transfer Doc	0065802299
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 23, 2021
Property Address	5581 GULF STREAM ST, TAVARES, FL 32778-9237
Document Number	0057361690
Book / Page	5736 / 1690
Map Reference	MB 42 PG 1
Instrument Date	Jun 11, 2021
Instrument	2021086733
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5581 GULF STREAM ST, TAVARES, FL 32778-9237

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5581 GULF STREAM ST, TAVARES, FL 32778-9237

Mortgage

Document Number	0057361692
Date	Jun 23, 2021
Instrument	5736/1692

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Tavares City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,030 (+2.9%)	$380,064 (-) Land $55,328 Building $324,736
2025		$346,000 Land $55,328 Building $290,672	$380,064 Land $55,328 Building $324,736
2024	$5,744.00 (+5.16%)
2023	$5,462.00 (-2.69%) Homeowner's exemption Additional exemption filed	$326,457 (+0.03%)	$326,457 (+0.03%) Land $55,328 Building $271,129
2022	$5,613.00 Homeowner's exemption Additional exemption filed	$326,343	$326,343 Land $55,328 Building $271,015

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

Flood

FEMA maps place 5581 Gulf Stream St 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 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 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 5581 Gulf Stream St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	TAVARES WATER DEPARTMENT (4 WPS) serves 22,007 people · EPA ID FL3351333
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30