Lake County property record for 109 Turtle Run, Umatilla, FL 32784 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,982 sqft Living Area |
| Lot Size | 5,928 sqft (0.136 acres) |
| Garage | Finished, 460 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $228.00 (2024) |
| Primary APN | 13-18-26-3400-000-01200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,982 sqft Living Area |
| 1st Floor | 1,982 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Material | Shingle Roof |
| Lot Area | 5,928 sqft (0.136 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 460 sqft Garage |
| Porch | Open Porch |
| Porch Area | 372 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 3851531 |
|---|---|
| Street Address | 109 TURTLE RUN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9545 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COTTAGES AT WATERS EDGE PB 58 PG 44-45 LOT 12 ORB 5224 PG 1187 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | COTTAGES AT WATERS EDGE |
| Legal Tract | A,B |
| Legal Lot Number | 12 |
| Jurisdiction | LAKE FL |
| Minor Civil Division | UMATILLA |
| Census Blockgroup | 1 |
| Census Block | 1063 |
| Census Tract | 30110 |
Source: Lake County records · APN 13-18-26-3400-000-01200
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED SOUTHERN BANK |
| Sep 27, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jan 15, 2019 | Grant Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 15, 2019 |
| Deed Sale | Jan 15, 2019 |
| Prior Sale | Nov 16, 2016 · Amount on Record |
| Deed Doc Number | 2019006398 |
| Deed Book / Page | 5224 / 1187 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0056490329 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 5649/329 |
| Instrument | 2021024873 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Document Number | 0060302160 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 6030/2160 |
| Instrument | 2022129665 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Document Number | 0053082254 |
| Instrument Date | Jul 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 109 TURTLE RUN UMATILLA FL 327849545, UMATILLA, FL 32784-9545 |
| Document Number | 0053082254 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 005308/002254 |
| Instrument | 78014 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 11, 2034 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jan 15, 2019 |
| Property Address | 109 TURTLE RUN, UMATILLA, FL 32784-9545 |
| Document Number | 0052241187 |
| Book / Page | 005224 / 001187 |
| Instrument Date | Jan 10, 2019 |
| Instrument | 6398 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 TURTLE RUN UMATILLA FL 327849545, UMATILLA, FL 32784-9545 |
Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $227,460 (+5.98%) Land $55,000 Building $172,460 | $256,264 (+2.9%) Land $55,000 Building $201,264 | |
| 2024 | $228.00 | ||
| 2023 | $228.00 (+43.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $214,620 (+3%) | $249,052 (-) Land $55,000 Building $194,052 |
| 2022 | $159.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $208,370 | $249,052 Land $55,000 Building $194,052 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 37% of the US · above 11% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,273 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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