Lake County property record for 101 Pearl St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,250 sqft · built 1981 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,241 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-1200-00F-00102 |
| Primary APN | 13-18-26-1200-00F-00102 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,250 sqft Living Area |
| Gross Area | 1,525 sqft |
| 1st Floor Area | 1,250 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,000 sqft (0.276 acres) |
| Lot Dimensions | 125 ft deep x 96 ft wide |
| Garage Type | Attached |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 2608625 |
|---|---|
| Street Address | 101 PEARL ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA YANCEYS ADD W 96 FT OF E 199 FT OF LOT 1 BLK F PB 1 PG 30 ORB 1779 PG 1876 ORB 5458 PG 670 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | YANCEYS ADD |
| Legal Tract | 1200 |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 30110 |
101 Pearl St is owned and occupied by an individual who acquired it in April 2020.
Source: Lake County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 8, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Apr 20, 2020 | Intrafamily Transfer, Transfer · VA Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 26, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Feb 8, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2020 |
| Deed Sale | Apr 20, 2020 |
| Prior Sale | Dec 22, 1999 · Amount on File |
| Deed Document Number | 202045371 |
| Deed Book / Page | 5458 / 670 |
| Prior Transfer Date | Apr 2, 2020 |
| Prior Transfer Doc | 0054580670 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0057800130 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 5780/130 |
| Instrument | 2021117157 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0049411603 |
|---|---|
| Date | May 8, 2017 |
| Book Page | 4941/1603 |
| Instrument | 2017050105 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 20, 2020 |
| Property Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Document Number | 0054580670 |
| Book / Page | 5458 / 670 |
| Map Reference | MB 1 PG 30 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 2020045371 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | SOLIDIFI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Document Number | 0054580672 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 5458/0672 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Document Number | 0052571800 |
| Instrument Date | Mar 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 101 PEARL ST UMATILLA FL 327848903, UMATILLA, FL 32784-8903 |
| Document Number | 0052571800 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 005257/001800 |
| Instrument | 35892 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 101 PEARL ST, UMATILLA, FL 32784-8903 |
| Document Number | 0049021908 |
| Book / Page | 004902 / 001908 |
| Instrument Date | Feb 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 101 PEARL ST UMATILLA FL 327848903, UMATILLA, FL 32784-8903 |
| Document Number | 0049021908 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 004902/001908 |
| Instrument | 16827 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2047 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,190 (+2.89%) | $137,353 (-) Land $28,000 Building $109,353 | |
| 2025 | $96,400 Land $28,000 Building $68,400 | $137,353 Land $28,000 Building $109,353 | |
| 2024 | $1,241.00 (+4.9%) | ||
| 2023 | $1,183.00 (+9.64%) Homeowner's exemption | $90,970 (+3%) | $134,004 (+11.67%) Land $28,000 Building $106,004 |
| 2022 | $1,079.00 Homeowner's exemption | $88,320 | $120,004 Land $14,000 Building $106,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Pearl St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2017) |
| 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 risk around 101 Pearl St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UMATILLA WATER WORKS (2 WPS) serves 3,948 people · EPA ID FL3351402 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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