614 Ray St, Lady Lake, FL 32159 Property Records

Lake County property record for 614 Ray St, Lady Lake, FL 32159

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,296 sqft · built 1997
Lot Size	0.413 acres (17,991 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Dec 2022)
Tax Bill	$2,816 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-18-24-0700-00B-00100`

Property Details

APN / Parcel Number

Primary APN	`21-18-24-0700-00B-00100`
Alternative APNs	`241821070000B00100` `2820888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Asphalt
Lot Area	17,991 sqft (0.413 acres)
Lot Width	90 ft Width

Exterior Amenities

Porch	Porch
Porch Area	152 sqft
Deck Area	186 sqft
Patio Area	120 sqft
Utility Building	2,160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2820888
Street Address	614 RAY ST
City	LADY LAKE
State	FL
Zip	32159-4519
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LADY LAKE SKYLINE HILLS UNIT 1 LOT 1 BLK B PB 23 PG 21 ORB 6068 PG 2451
Legal Subdivision	LADY LAKE SKYLINE HILLS UNIT
Legal Tract	0700
Legal Block	B
Legal Lot Number	1
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	1
Census Block	1023
Census Tract	30407

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	614 RAY ST, LADY LAKE, FL 32159-4519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · FHA Mortgage NATIONS LENDING CORP
Jun 1, 2018	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2022162376
Deed Book / Page	6068 / 2451
Prior Transfer Date	Dec 5, 2017
Prior Transfer Doc	0050500895
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 20, 2022
Property Address	614 RAY ST, LADY LAKE, FL 32159-4519
Document Number	0060682451
Book / Page	6068 / 2451
Map Reference	MB 23 PG 21
Instrument Date	Dec 16, 2022
Instrument	2022162376
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	OXFORD TITLE AGENCY, OXFORD TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2104 JEFFERSON CT S, BELTON, TX 76513-1382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 RAY ST, LADY LAKE, FL 32159-4519

Mortgage

Document Number	0060682453
Date	Dec 20, 2022
Instrument	6068/2453

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 1, 2018
Property Address	614 RAY ST, LADY LAKE, FL 32159-4519
Document Number	0051181761
Book / Page	5118 / 1761
Map Reference	MB 23 PG 21
Instrument Date	May 23, 2018
Instrument	2018063942
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	OCALA LAND TITLE INSURANCE A

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$601.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6391 E SHAFER RIDGE RD, 6391, MILLTOWN, IN 47145-7517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 RAY ST, LADY LAKE, FL 32159-4519

Mortgage

Document Number	2018063943
Date	Jun 1, 2018
Instrument	2018063943

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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		$132,489 (-) Land $44,700 Building $87,789	$132,489 (-) Land $44,700 Building $87,789
2025		$132,489 (+2.13%) Land $44,700 Building $87,789	$132,489 (+2.13%) Land $44,700 Building $87,789
2024	$2,816.00 (+11.39%)
2023	$2,528.00 (+116.07%)	$129,727 (+48.29%)	$129,727 (+13.71%) Land $44,700 Building $85,027
2022	$1,170.00 Homeowner's exemption	$87,480	$114,082 Land $29,055 Building $85,027

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% 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	LADY LAKE CENTRAL - WPS 1,2,3 serves 7,090 people · EPA ID FL3350977
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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