November 3, 2026: Florida Amendment 3 is on the ballot. Rentals do not get the new homestead exemption.County impact →
Rental TruthCentral Florida holding costs

Northwest of Orlando · county seat Tavares · millage year 2025

Lake County rental property tax, millage, and insurance

After you close, this rental is taxed on just value with no homestead exemption. The numbers below are dated 2026-10-18 and cited. They are not a bill for a specific parcel.

· · Figures retrieved 2026-10-18 · 2025 millage.

Lake County Property Appraiser·Lake County Tax Collector·FL DOR data portal·Amendment 3 in Lake

2025 millage (cited)

County BCC operating millage5.0254Lake County BCC general fund millage.Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage6.0850School board state 3.0870 + local 2.9980 = 6.0850. Lake County Property Appraiser, 2025 Final Millage Rates
Water management0.1793St. Johns River Water Management District (most mill groups; tax group 0004 instead pays SWFWMD 0.1831)
Example total millage used in the calculator13.4482Unincorporated Lake County, tax group 0001. TOTAL COUNTY MILLAGE 13.4482 for groups 0001, 0002, 0006, and several others. Stormwater MSTU applies only to unincorporated areas. Fire MSTU 0.4800 applies to unincorporated Lake and some cities. City totals on the same sheet are higher (Clermont 16.6766; Leesburg 15.9477; Eustis 19.8623).
Lake County Property Appraiser, 2025 Final Millage Rates
Illustration: tax on $350,000 just value$4,706.87Assumes just value equals $350,000 at the example total millage. Not a TRIM bill. Formula: value × mills ÷ 1,000.

A newly purchased rental’s taxable value starts at just value (no $51,411 homestead). Non-ad valorem assessments are not in millage.Purchase-reset explainer.

Insurance (OIR, not a landlord quote)

Average homeowners premium including wind: $2,642. Condo unit owners including wind: $1,102.

As of 2025-09-30.Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026).County averages are homeowners and condo-unit-owner premiums including wind coverage, from Market Information Reporting. They are not landlord (DP-3 / dwelling fire) averages. OIR states actual charged premium varies by company, insured value, deductibles, and terms.All I-4 counties.

Condo holding-cost issues

Florida requires milestone structural inspections and structural integrity reserve studies for condominium and cooperative buildings three or more habitable stories. Special assessments and reserve funding are a holding-cost risk for condo rentals. We do not publish a statewide average special-assessment dollar figure because no official source gives one.

DBPR inspections·SB 4-D FAQs

Walczak Table 5 does not include a municipality inside Lake County. County-level Table 4 figures are on the Amendment 3 page; we are not interpolating a city number.

Is it worth buying a rental in Lake?

This page does not answer yes or no. Run rent against millage, insurance, flood, and HOA on the parcel.Calculator pre-set to Lake.

Local sponsors

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This site will stay free. The planned model is a flat fee for a county placement — property managers, landlord insurance, and local insurance agents — plus later affiliate links for landlord bookkeeping/banking tools such as Stessa or Baselane. There will be no lender or title-company referral links.

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County-change newsletter

Millage, TRIM notices, insurance filings, flood-map updates, and condo reserve rules — one email, I-4 counties only. No lender pitches.

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