Lake County property record for 575 Dowling Cir, Lady Lake, FL 32159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,232 sqft · built 2003 |
| Lot Size | 0.494 acres (21,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jun 2014) |
| Tax Bill | $3,986 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-18-24-2000-00C-05000 |
| Primary APN | 05-18-24-2000-00C-05000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,232 sqft Living Area |
| Gross Area | 2,954 sqft |
| 1st Floor Area | 2,232 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 21,500 sqft (0.494 acres) |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 722 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 318 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3683641 |
|---|---|
| Street Address | 575 DOWLING CIR |
| City | LADY LAKE |
| State | FL |
| Zip | 32159-2533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | LADY LAKE THE LAKES OF LADY LAKE SUB LOT 50 BLK C PB 36 PGS 88-90 ORB 4517 PG 1983 |
| Legal Range | 24E |
| Legal Township | 18S |
| Legal Section | 5 |
| Legal Subdivision | LADY LAKE THE LAKES OF LADY LAKE SUB |
| Legal Tract | 2000 |
| Legal Block | C |
| Legal Lot Number | 50 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | FRUITLAND PARK-LADY LAKE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 30409 |
575 Dowling Cir is owned and occupied by an individual who acquired it in December 2025.
Source: Lake County records, as of January 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 575 DOWLING CIR, LADY LAKE, FL 32159-2533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2026 | Divorce Transfer, Transfer · Conventional Mortgage HOME1ST LENDING LLC |
| Aug 31, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2014 · Amount on File |
| Deed Sale | Jun 9, 2014 · Amount on File |
| Prior Sale | Sep 9, 2002 · Amount on File |
| Deed Document Number | 201462293 |
| Deed Book / Page | 4486 / 1476 |
| Last Transfer Date | Dec 30, 2025 |
| Transfer Doc | 0066622154 |
| Record Updated | Jun 8, 2026 |
| Document Type | Divorce Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jan 8, 2026 |
| Property Address | 575 DOWLING CIR, LADY LAKE, FL 32159-2533 |
| Document Number | 0066622154 |
| Book / Page | 6662 / 2154 |
| Map Reference | MB 36 PG 88-90 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 2026002842 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | LEGACY TITLE GROUP, LEGACY TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 575 DOWLING CIR, LADY LAKE, FL 32159-2533 |
| Name | Verified Name |
|---|---|
| Address | 575 DOWLING CIR, LADY LAKE, FL 32159-2533 |
| Document Number | 0066622157 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 6662/2157 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 575 DOWLING CIR, LADY LAKE, FL 32159-2533 |
| Document Number | 0053481772 |
| Instrument Date | Aug 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 575 DOWLING CIR LADY LAKE FL 321592533, LADY LAKE, FL 32159-2533 |
| Document Number | 0053481772 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 005348/001772 |
| Instrument | 109353 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 26, 2044 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Lady Lake Town |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $257,630 (+2.9%) | $387,657 (-0.04%) Land $100,000 Building $287,657 | |
| 2025 | $250,370 Land $100,000 Building $150,370 | $387,821 Land $100,000 Building $287,821 | |
| 2024 | $3,986.00 (+10.54%) | ||
| 2023 | $3,606.00 (+1.66%) Homeowner's exemption | $236,240 (+3%) | $379,752 (+24.97%) Land $100,000 Building $279,752 |
| 2022 | $3,547.00 Homeowner's exemption | $229,360 | $303,870 Land $48,300 Building $255,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 575 Dowling Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 2 (2015–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 575 Dowling Cir 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THE LAKE OF LADY LAKE HOMEOWNERS ASSOC. private · serves 100 people · EPA ID FL3354926 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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