13129 Bernice Ave, Umatilla, FL 32784 Property Records

Lake County property record for 13129 Bernice Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,505 sqft · built 2022
Lot Size	5.94 acres (258,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,000 (Jan 2020)
Tax Bill	$5,593 (2024)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-18-26-0100-00B-01700`

Property Details

APN / Parcel Number

Primary APN	`05-18-26-0100-00B-01700`
Alternative APN	`3733118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,505 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	258,746 sqft (5.94 acres)
Garage Type	Finished
Porch	Open Porch
Utility Building	855 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3733118
Street Address	13129 BERNICE AVE
City	UMATILLA
State	FL
Zip	32784-8196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DREAM LAKE POULTRY RANCHES LOTS 17 18 19 20 21 BLK B-- LESS THAT PORTION OF LOTS 17 18 19 LYING W OF W LINE OF SEC
Legal Range	26E
Legal Township	18S
Legal Section	05
Legal Subdivision	DREAM LAKE
Legal Phase	5-18-26
Legal Tract	100
Legal Block	B
Legal Lot Number	17-21 18
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2017
Census Tract	30110

Owner

Source: Lake County records, as of December 15, 2025

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	2 Individual Names on Record
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Jul 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST FEDERAL BANK
Jan 29, 2020	Warranty Deed, Transfer · Conventional with PMI NHAN NGUYEN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2020 · Amount on Record
Deed Sale	Jan 29, 2020 · Amount on Record
Prior Sale	Oct 24, 2006 · Amount on Record
Deed Document Number	2020011805
Deed Book / Page	5413 / 1192
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	13129 BERNICE AVE, UMATILLA, FL 32784-8196
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13129 BERNICE AVE, UMATILLA, FL 32784-8196

Mortgage

Document Number	0062960964
Date	Mar 7, 2024
Book Page	6296/964
Instrument	2024027047

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	13129 BERNICE AVE, UMATILLA, FL 32784-8196
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1286, UMATILLA, FL 32784-1286

Mortgage

Document Number	0057560001
Date	Jul 21, 2021
Book Page	5756/1
Instrument	2021100237

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 29, 2020
Property Address	13129 BERNICE AVE, UMATILLA, FL 32784-8196
Document Number	0054131192
Book / Page	005413 / 001192
Instrument Date	Jan 23, 2020
Instrument	11805
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	CONCIERGE TITLE SERVICES LLC, CONCIERGE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1286 UMATILLA FL 327841286, UMATILLA, FL 32784-1286

Mortgage

Document Number	54131194
Date	Jan 29, 2020
Book Page	005413/001194
Instrument	11806

Lender

Name	NHAN NGUYEN
Address	852 KAZAROS CIR, OCOEE, FL 34761-3168
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jan 28, 2025

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$394,777 (-2.22%) Land $193,050 Building $201,727	$394,777 (-2.22%) Land $193,050 Building $201,727
2024	$5,593.00 (+2.16%)
2023	$5,475.00 (+334.87%)	$403,729 (+282.27%)	$403,729 (+282.27%) Land $207,900 Building $195,829
2022	$1,259.00	$105,613	$105,613 Land $105,613

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
Nearest Special Flood Hazard Area	Zone A, 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	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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