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5940 Spinnaker Loop, Lady Lake, FL 32159 Property Records

Lake County property record for 5940 Spinnaker Loop, Lady Lake, FL 32159 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2023
Square Footage3,275 sqft Living Area
Lot Size22,235 sqft (0.51 acres)
OccupancyOwner Occupied
Last Sale$620,000 (2021)
Tax Bill$7,419.00 (2024)

Property Details

APN / Parcel Number

Primary APN13-18-24-0500-00F-00300
Alternative APN
  • 3389808

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area3,275 sqft Living Area
1st Floor3,275 sqft 1st Floor
Stories1 Stories
FireplaceSingle Fireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2023
Exterior MaterialBrick Veneer Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialShingle Roof
Lot Area22,235 sqft (0.51 acres)
Parking Spaces4 Parking Spaces
Garage TypeFinished Garage
Garage Area1,010 sqft Garage

Exterior Amenities

Pool TypePool with Hot Tub/Spa Pool Type
Pool Area378 sqft Pool
Porch1 Porch
Porch Area851 sqft Porch
Outdoor Kitchen Or Brick BBQOutdoor Kitchen or Brick BBQ

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3389808
Street Address5940 SPINNAKER LOOP
CityLADY LAKE
StateFL
Zip32159-5914
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHARBOR HILLS UNIT 1 LOT 3 BLK F PB 30 PGS 13-27 ORB 5621 PG 232
Legal Range24E
Legal Township18S
Legal Section13
Legal SubdivisionARBOR HILLS UNIT 1
Legal Tract500
Legal BlockF
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 13-18-24-0500-00F-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 Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 09, 2017Deed of Trust, Mortgage · Line of Credit
WELLS FARGO BANK NA
Feb 01, 2018Deed of Trust, Mortgage · Line of Credit
TRUSTCO BANK
Jan 13, 2021Warranty Deed, Transfer
FREEDOM SETTLEMENT COMPANY LLC, FREEDOM T&E CO LLC
Jan 10, 2020Loan Modification, Mortgage · Line of Credit
TRUSTCO BK
Jan 10, 2019Loan Modification, Mortgage · Line of Credit
TRUSTCO BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 13, 2021 · Amount on Record
Deed SaleJan 13, 2021 · Amount on Record
Prior SaleApr 15, 2013 · Amount on Record
Deed Doc Number2021006407
Deed Book / Page5621 / 232
Record RefreshedJun 08, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0049001487
DateFeb 09, 2017
Book Page4900/1487
Instrument2017014757
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 27, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050610568
DateFeb 01, 2018
Book Page5061/0568
Instrument2018012254
Lender
NameTRUSTCO BANK
TypeBank
AddressLONGWOOD, FL 32750
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJan 25, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 13, 2021
Property Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
Document Number0056210232
Book / Page5621 / 232
Map ReferenceMB 30 PG 13-27
Instrument DateJan 12, 2021
Instrument2021006407
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyFREEDOM SETTLEMENT COMPANY LLC, FREEDOM T&E CO LLC

Transaction

AmountAmount Recorded
Tax$4,340.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address178 CEDAR LN # 83, 83, DILLARD, GA 30537-2565

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionLAKE FL
Property Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
Document Number0054071665
Instrument DateJan 10, 2020
Transaction TypeMortgage
Record UpdatedFeb 04, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5940 SPINNAKER LOOP LADY LAKE FL 321595914, LADY LAKE, FL 32159-5914

Mortgage

Document Number0054071665
DateJan 17, 2020
Book Page005407/001665
Instrument7103
Lender
NameTRUSTCO BK
TypeBank
AddressGLENVILLE, NY 12302
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 16, 2050
Interest
Rate TypeAdjustable Rate
Rate16%

January 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionLAKE FL
Property Address5940 SPINNAKER LOOP, LADY LAKE, FL 32159-5914
Document Number0052320403
Instrument DateJan 10, 2019
Transaction TypeMortgage
Record UpdatedFeb 14, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5940 SPINNAKER LOOP LADY LAKE FL 321595914, LADY LAKE, FL 32159-5914

Mortgage

Document Number0052320403
DateFeb 04, 2019
Book Page005232/000403
Instrument13650
Lender
NameTRUSTCO BK
TypeBank
AddressGLENVILLE, NY 12302
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate16%

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$537,170 (+5.98%) Land $110,000 Building $427,170$593,308 (+1.94%) Land $110,000 Building $483,308
2024$7,419.00 (+6.59%)
2023$6,960.00 (+3.66%) Homeowner's exemption$506,840 (+3%)$581,999 (+18.27%) Land $110,000 Building $471,999
2022$6,714.00 Homeowner's exemption$492,080$492,080 Land $68,200 Building $423,880

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 1,695 per year
ExposureDirect
burnable vegetation at the parcel

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

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