594 Dowling Cir, Lady Lake, FL 32159 Property Records

Lake County property record for 594 Dowling Cir, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,994 sqft · built 2000
Lot Size	0.356 acres (15,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2024)
Tax Bill	$5,912 (2025)
Deeds & Mortgages	Jul 2021 Sale Feb 2021 Transfer + 4 more
Flood Zone	Zone A (high risk)
APN	`05-18-24-2000-00A-00300`

Property Details

APN / Parcel Number

Primary APN	`05-18-24-2000-00A-00300`
Alternative APNs	`241805200000A00300` `3682840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	2,435 sqft
1st Floor Area	1,838 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2024
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	15,498 sqft (0.356 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Florida Room
Porch Area	410 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3682840
Street Address	594 DOWLING CIR
City	LADY LAKE
State	FL
Zip	32159-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	LADY LAKE THE LAKES OF LADY LAKE SUB LOT 3 BLK A PB 36 PGS 88-90 ORB 6416 PG 1418
Legal Range	24E
Legal Township	18S
Legal Section	5
Legal Subdivision	LADY LAKE THE LAKES OF LADY LAKE SUB
Legal Tract	2000
Legal Block	A
Legal Lot Number	3
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	1
Census Block	1019
Census Tract	30409

Owner

Source: Lake County records, as of October 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC
Feb 25, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 7, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 18, 2018	Warranty Deed, Transfer OCALA LAND TITLE INSURANCE AGENCY LIMITED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2024 · Amount on Record
Deed Sale	Oct 21, 2024 · Amount on Record
Prior Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	2024122338
Deed Book / Page	6416 / 1418
Prior Transfer Date	Oct 8, 2020
Prior Transfer Doc	0055592178
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 13, 2021
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Document Number	0057482394
Book / Page	5748 / 2394
Map Reference	MB 29 PG 25&26
Instrument Date	Jul 8, 2021
Instrument	2021095257
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Tax	$1,067.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2313 OLD COACH CT, HENRICO, VA 23238-3058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Feb 25, 2021
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Document Number	0056502450
Book / Page	5650 / 2450
Map Reference	MB 36 PG 88-90
Instrument Date	Feb 9, 2021
Instrument	2021026252
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051440075
Date	Jul 24, 2018
Book Page	5144/0075
Instrument	2018085685

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054990087
Date	Jul 7, 2020
Book Page	5499/87
Instrument	2020071868

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Oct 9, 2020
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Document Number	0055592178
Book / Page	005559 / 002178
Instrument Date	Oct 8, 2020
Instrument	113009
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	594 DOWLING CIR LADY LAKE FL 321592535, LADY LAKE, FL 32159-2535

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 18, 2018
Property Address	594 DOWLING CIR, LADY LAKE, FL 32159-2535
Document Number	0051121444
Book / Page	005112 / 001444
Instrument Date	May 11, 2018
Instrument	58616
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	OCALA LAND TITLE INSURANCE AGENCY LIMITED

Transaction

Amount	Amount Recorded
Tax	$1,652.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	594 DOWLING CIR LADY LAKE FL 321592535, LADY LAKE, FL 32159-2535

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		$358,197 (-) Land $100,000 Building $258,197	$358,197 (-) Land $100,000 Building $258,197
2025	$5,912.00 (+39.63%)	$358,197 (+42.92%) Land $100,000 Building $258,197	$358,197 (+2.54%) Land $100,000 Building $258,197
2024	$4,234.00 (+10.23%)
2023	$3,841.00 (-7.47%) Homeowner's exemption	$250,620 (+3%)	$349,337 (+26.17%) Land $100,000 Building $249,337
2022	$4,151.00 Homeowner's exemption	$243,320	$276,884 Land $48,300 Building $228,584

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile, Verizon.

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