130 E Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 130 E Lake St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,961 sqft · built 1910
Lot Size	1.08 acres (47,315 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Jul 1996)
Tax Bill	$865 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-2900-024-00005`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-2900-024-00005`
Alternative APN	`1499453`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,961 sqft Living Area
1st Floor Area	1,586 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2010
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Pier/Post & Beam
Roof Material	Shingle
Lot Area	47,315 sqft (1.08 acres)
Lot Dimensions	328 ft deep x 157 ft wide
Garage Type	Detached
Garage Area	168 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	624 sqft
Deck Area	1,426 sqft
Utility Building	778 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1499453
Street Address	130 E LAKE ST
City	UMATILLA
State	FL
Zip	32784-9557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N.J. TROWELL'S ADDITION TO UMATILLA PB 4 PG 6 BEG 1.5 FT S OF MIDDLE OF TAYLOR ST & 343.2 FT E OF INTERSECTION OF TAYLOR ST
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	N.J. TROWELL'S ADDITION TO
Legal Tract	2900
Legal Block	24
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1056
Census Tract	30109

Owner

Source: Lake County records, as of December 15, 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	PO BOX 2503, UMATILLA, FL 32784-2503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 1996 · Amount on Record
Deed Sale	Jul 15, 1996 · Amount on Record
Deed Document Number	0145002010
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	130 E LAKE ST, UMATILLA, FL 32784-9557
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 E LAKE ST, UMATILLA, FL 32784-9557

Mortgage

Document Number	0057291887
Date	Jun 15, 2021
Book Page	5729/1887
Instrument	2021081838

Lender

Name	UNITED SOUTHERN BANK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,800 (+5.97%)	$304,399 (+7.46%) Land $161,500 Building $142,899
2024	$865.00 (+1.88%)
2023	$849.00 (+8.99%) Homeowner's exemption	$71,530 (+2.99%)	$283,262 (+45.55%) Land $155,040 Building $128,222
2022	$779.00 Homeowner's exemption	$69,450	$194,621 Land $67,184 Building $127,437

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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