582 Dowling Cir, Lady Lake, FL 32159 Property Records

Lake County property record for 582 Dowling Cir, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,271 sqft · built 2004
Lot Size	0.356 acres (15,500 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Jun 2014)
Tax Bill	$600 (2024)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone A (high risk)
APN	`05-18-24-2100-00B-00400`

Property Details

APN / Parcel Number

Primary APN	`05-18-24-2100-00B-00400`
Alternative APNs	`241805210000B00400` `3806279`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,271 sqft Living Area
Gross Area	3,122 sqft
1st Floor Area	2,271 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,500 sqft (0.356 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Finished Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3806279
Street Address	582 DOWLING CIR
City	LADY LAKE
State	FL
Zip	32159-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG1
Legal Description	LADY LAKE LAKES PHASE 2 SUB LOT 4 BLK B PB 44 PGS 83-84 ORB 4489 PG 2303
Legal Range	24E
Legal Township	18S
Legal Section	5
Legal Subdivision	LADY LAKE LAKES PHASE 2 SUB
Legal Tract	2100
Legal Block	B
Legal Lot Number	4
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	1
Census Block	1019
Census Tract	30409

Owner

582 Dowling Cir is owned and occupied by an individual who bought it in June 2014.

Source: Lake County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	582 DOWLING CIR, LADY LAKE, FL 32159-2535
Occupancy	Owner Occupied
Owner Type	Individual

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	Jun 16, 2014 · Amount on File
Deed Sale	Jun 16, 2014 · Amount on File
Prior Sale	Dec 12, 2003 · Amount on File
Deed Document Number	201465227
Deed Book / Page	4489 / 2303
Prior Transfer Date	Jul 21, 2006
Prior Transfer Doc	0032211280
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	582 DOWLING CIR, LADY LAKE, FL 32159-2535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREEDOM TITLE & ESCROW CO LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049090312
Date	Mar 2, 2017
Book Page	4909/0312
Instrument	2017022543

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Lady Lake Town
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$273,640 (+2.9%)	$358,498 (-) Land $100,000 Building $258,498
2025		$265,930 Land $100,000 Building $165,930	$358,498 Land $100,000 Building $258,498
2024	$600.00 (+46.34%)
2023	$410.00 (+6.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$250,920 (+3%)	$349,133 (+17.38%) Land $100,000 Building $249,133
2022	$386.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$243,620	$297,433 Land $48,300 Building $249,133

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

Flood

FEMA maps place 582 Dowling Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 582 Dowling Cir is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.07% 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.

Internet Providers

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