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120 E Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 120 E Lake St, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,552 sqft · built 1945
Lot Size0.516 acres (22,490 sqft)
OwnerIndividual Name on Record
Last Sale$50,000 (Oct 2013)
Tax Bill$1,779 (2025)
Deeds & MortgagesAug 2026 Sale
Sep 2022 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN13-18-26-2900-024-00001

Property Details

APN / Parcel Number

Primary APN13-18-26-2900-024-00001
Alternative APNs
  • 261813290002400001
  • 1499437

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,552 sqft Living Area
1st Floor Area1,552 sqft

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 2014
Exterior MaterialWood
Construction TypeFrame
Roof MaterialMetal
Lot Area22,490 sqft (0.516 acres)
Lot Dimensions130 ft deep x 173 ft wide
Garage Area416 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area462 sqft
PorchFinished/Open Porch
Porch Area460 sqft
Deck AreaDeck Area
Patio Area300 sqft
Utility Building192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1499437
Street Address120 E LAKE ST
CityUMATILLA
StateFL
Zip32784-9557
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR12
Legal DescriptionN.J. TROWELL'S ADDITION TO UMATILLA PB 4 PG 6 E 173 FT OF W 333.2 FT OF S 138 FT OF N 158 FT BLK 24 ORB 4386 PG 1684 ORB 5540 PG 1611 ORB 6020 PG 941
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionTROWELLS ADDITION
Legal Tract2900
Legal Block24
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1056
Census Tract30109

Owner

Source: Lake County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address120 E LAKE ST, UMATILLA, FL 32784-9557
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Aug 4, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Sep 7, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Sep 10, 2020Intrafamily Transfer, Transfer · Line of Credit
UNITED SOUTHERN BANK
May 29, 2019Deed of Trust, Mortgage
FAIRWINDS CU
Sep 25, 2017Deed of Trust, Mortgage · FHA Mortgage
THE CRESCENT MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 2, 2013 · Amount on Record
Deed SaleOct 2, 2013 · Amount on Record
Prior SaleJun 11, 2004 · Amount on Record
Deed Document Number2013109655
Deed Book / Page4386 / 1684
Last Transfer DateAug 3, 2026
Transfer Doc0000095812
Record UpdatedSep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateAug 4, 2026
Property Address120 E LAKE ST, UMATILLA, FL 32784-9557
Document Number0000095812
Book / Page6789 / 741
Instrument DateAug 3, 2026
Instrument202695812
Transaction TypeTransfer
Record UpdatedAug 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 E LAKE ST, UMATILLA, FL 32784-9557

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateSep 7, 2022
Property Address120 E LAKE ST, UMATILLA, FL 32784-9557
Document Number0060200941
Book / Page6020 / 941
Map ReferenceMB 4 PG 6
Instrument DateSep 6, 2022
Instrument2022120668
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address120 E LAKE ST, UMATILLA, FL 32784-9557

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 E LAKE ST, UMATILLA, FL 32784-9557

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateSep 10, 2020
Property Address120 E LAKE ST, UMATILLA, FL 32784-9557
Document Number0055401611
Book / Page5540 / 1611
Map ReferenceMB 4 PG 6
Instrument DateAug 4, 2020
Instrument2020099976
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address120 E LAKE ST, 120, UMATILLA, FL 32784-9557

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 E LAKE ST, UMATILLA, FL 32784-9557

Mortgage

Document Number0055401619
DateSep 10, 2020
Instrument5540/1619
Lender
NameUNITED SOUTHERN BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address120 E LAKE ST, UMATILLA, FL 32784-9557
Document Number0052902146
Instrument DateMay 29, 2019
Transaction TypeMortgage
Record UpdatedJun 17, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address120 E LAKE ST UMATILLA FL 327849557, UMATILLA, FL 32784-9557

Mortgage

Document Number0052902146
DateJun 6, 2019
Book Page005290/002146
Instrument63466
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
AmountAmount Recorded
Term240 Months
DueJun 5, 2039

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address120 E LAKE ST, UMATILLA, FL 32784-9557
Document Number0050092116
Instrument DateSep 25, 2017
Transaction TypeMortgage
Record UpdatedAug 27, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address120 E LAKE ST UMATILLA FL 327849557, UMATILLA, FL 32784-9557

Mortgage

Document Number0050092116
DateOct 6, 2017
Book Page005009/002116
Instrument106750
Lender
NameTHE CRESCENT MTG
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$119,580 (+2.9%)$260,633 (-0.06%) Land $107,500 Building $153,133
2025$1,779.00 (+9.75%) Homeowner's exemption$116,210 (+5.98%) Land $107,500 Building $8,710$260,794 (+6.23%) Land $107,500 Building $153,294
2024$1,621.00 (+4.72%)
2023$1,548.00 (+7.43%) Homeowner's exemption$109,650 (+3%)$245,501 (+31.76%) Land $103,200 Building $142,301
2022$1,441.00 Homeowner's exemption$106,460$186,329 Land $44,720 Building $141,609

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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