11808 Lizard Ln, Umatilla, FL 32784 Property Records

Lake County property record for 11808 Lizard Ln, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,608 sqft · built 1996
Lot Size	2.75 acres (120,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Feb 2022)
Tax Bill	$3,147 (2024)
Deeds & Mortgages	Nov 2023 Transfer Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-18-25-0100-054-00005`

Property Details

APN / Parcel Number

Primary APN	`02-18-25-0100-054-00005`
Alternative APNs	`251802010005400005` `3521374`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,608 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	120,147 sqft (2.75 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	633 sqft
Deck Area	2,621 sqft
Patio Area	1,132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3521374
Street Address	11808 LIZARD LN
City	UMATILLA
State	FL
Zip	32784-7939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	HIGLEY THAT PART OF BLK 54 & 61 DESC AS: FROM NW COR OF E 1/2 OF GOV LOT 1 IN SEC 13-18-25 RUN S 89DEG 43MIN 10SEC E 33 FT N 00DEG 03MIN 50SEC E 200 FT S 89DEG 43MIN 10SEC E 196.28 FT S 00DEG 10MIN 40SEC W 50 FT FOR POB RUN S 89DEG 43MIN 10SEC E 175.
Legal Range	25E
Legal Township	18S
Legal Section	2
Legal Subdivision	HIGLEY SUB
Legal Tract	0100
Legal Block	54
Legal Lot Number	1
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2019
Census Tract	30110

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	2 Individual Names on Record
Mailing Address	11808 LIZARD LN, UMATILLA, FL 32784-7939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Mar 23, 2004 · Amount on Record
Deed Document Number	202221615
Deed Book / Page	5897 / 747
Last Transfer Date	Nov 15, 2023
Transfer Doc	0062440324
Record Updated	Sep 20, 2026

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE FL
Recording Date	Nov 20, 2023
Property Address	11808 LIZARD LN, UMATILLA, FL 32784-7939
Document Number	0062440324
Book / Page	6244 / 324
Instrument Date	Nov 15, 2023
Instrument	2023141252
Record Updated	Dec 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1922, EUSTIS, FL 32727-1922

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11808 LIZARD LN, UMATILLA, FL 32784-7939

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 15, 2022
Property Address	11808 LIZARD LN, UMATILLA, FL 32784-7939
Document Number	0058970747
Book / Page	5897 / 747
Instrument Date	Feb 7, 2022
Instrument	2022021615
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11808 LIZARD LN, UMATILLA, FL 32784-7939

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11808 LIZARD LN, UMATILLA, FL 32784-7939

Mortgage

Document Number	0005897749
Date	Feb 15, 2022
Instrument	5897/749

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$227,280 (+2.9%)	$545,339 (-) Land $251,522 Building $293,817
2025		$220,880 (+5.98%)	$545,339 (+137.52%) Land $251,522 Building $293,817
2024	$3,147.00 (+10.34%)
2023	$2,852.00 (+46.41%) Homeowner's exemption	$208,410 (+38.17%)	$229,600 (+18.46%) Land $80,487 Building $149,113
2022	$1,948.00 Homeowner's exemption	$150,840	$193,828 Land $44,715 Building $149,113

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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