Lake County property record for 1040 Bear Hammock Dr, Umatilla, FL 32784
| Property Type | Residential Vacant Land |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $346,990 (Dec 2025) |
| Tax Bill | $1,182 (2024) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-18-26-0010-000-03600 |
| Primary APN | 24-18-26-0010-000-03600 |
|---|---|
| Alternative APN |
|
| Account Number | 3949684 |
|---|---|
| Street Address | 1040 BEAR HAMMOCK DR |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9443 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | MAGNOLIA POINTE PHASE 1 PB 82 PG 54-59 LOT 36 ORB 6464 PG 2150 |
| Legal Subdivision | MAGNOLIA POINTE |
| Legal Phase | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 30110 |
1040 Bear Hammock Dr, residential vacant land, is owned and occupied by an individual who bought it in December 2025.
Source: Lake County records, as of January 16, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1040 BEAR HAMMOCK DR, UMATILLA, FL 32784-9443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2025 · Amount on File |
| Deed Sale | Dec 31, 2025 · Amount on File |
| Deed Document Number | 2025159125 |
| Deed Book / Page | 6658 / 759 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 1040 BEAR HAMMOCK DR, UMATILLA, FL 32784-9443 |
| Document Number | 0066580759 |
| Book / Page | 6658 / 759 |
| Map Reference | MB 82 PG 54-59 |
| Instrument Date | Dec 26, 2025 |
| Instrument | 2025159125 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,429.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7835 OSCEOLA POLK LINE RD, DAVENPORT, FL 33896-9100 |
| Name | Verified Name |
|---|---|
| Address | 1040 BEAR HAMMOCK DR, UMATILLA, FL 32784-9443 |
| Document Number | 0006658760 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 6658/760 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.12% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.12% |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $52,500 Land $52,500 | $52,500 Land $52,500 | |
| 2024 | $1,182.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1040 Bear Hammock Dr in Zone X, an area of minimal flood risk.
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 File median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 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 risk around 1040 Bear Hammock Dr is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 108 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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