15640 Peru Rd, Umatilla, FL 32784 Property Records

Lake County property record for 15640 Peru Rd, Umatilla, FL 32784

Property Summary

Property Type	Pasture
Details	3 bd · 7.5 ba · 7,780 sqft · built 1998
Lot Size	20.1 acres (876,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$21,000 (Sep 1999)
Tax Bill	$6,206 (2024)
Deeds & Mortgages	Mar 2020 Loan Modification Jan 2017 Loan Modification
Flood Zone	Zone A (high risk)
APN	`10-18-26-0001-000-00400`

Property Details

APN / Parcel Number

Primary APN	`10-18-26-0001-000-00400`
Alternative APNs	`261810000100000400` `3596374`

Interior

Bedrooms	3 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	7,780 sqft Gross Area
1st Floor Area	6,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	876,930 sqft (20.1 acres)
View / Lot	Wetland
Garage Type	Attached
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	325 sqft
Porch	Finished/Open Porch
Porch Area	759 sqft
Deck Area	Deck Area
Utility Building	1,056 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3596374
Street Address	15640 PERU RD
City	UMATILLA
State	FL
Zip	32784-7957
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Local Zoning Code	A
Legal Description	FROM NW COR OF NE 1/4 RUN S 01-07-40 E ALONG W LINE OF N 1/2 OF NW 1/4 OF NE 1/4 A DIST OF 33 FT FOR POB RUN N 89-26-50 E PARALLEL TO & 33 FT S OF N LINE OF NE 1/4 A DIST OF 1099.42 FT TO A POINT THAT IS 226 FT W OF E LINE OF SAID N 1/2 OF NW 1/4 OF
Legal Range	26E
Legal Township	18S
Legal Section	10
Legal Quarter	1
Legal Tract	0001
Legal Lot Number	4
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2023
Census Tract	30110

Owner

Source: Lake County records, as of March 6, 2026

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
Mailing Address	15640 PERU RD, UMATILLA, FL 32784-7957
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Loan Modification, Mortgage · Line of Credit TRUIST BK
Jan 13, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 1999 · Amount on Record
Deed Sale	Sep 23, 1999 · Amount on Record
Prior Sale	Jul 26, 1996 · Amount on Record
Deed Book / Page	1753 / 2293
Last Transfer Date	May 7, 2024
Transfer Doc	0063310963
Record Updated	Jun 8, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	15640 PERU RD, UMATILLA, FL 32784-7957
Document Number	0054472468
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	15640 PERU RD UMATILLA FL 327847957, UMATILLA, FL 32784-7957

Mortgage

Document Number	0054472468
Date	Mar 31, 2020
Book Page	005447/002468
Instrument	38335

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

Interest

Rate Type	Adjustable Rate

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	15640 PERU RD, UMATILLA, FL 32784-7957
Document Number	0048970259
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15640 PERU RD UMATILLA FL 327847957, UMATILLA, FL 32784-7957

Mortgage

Document Number	0048970259
Date	Feb 2, 2017
Book Page	004897/000259
Instrument	11675

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

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		$465,770 (+2.88%)	$578,286 (-0.03%) Land $88,554 Building $489,732
2025		$452,710 (+5.95%) Land $22,934 Building $429,776	$578,452 (+2.61%) Land $22,934 Building $555,518
2024	$6,206.00 (+7.17%)
2023	$5,791.00 (+3.15%) Homeowner's exemption	$427,280 (+2.98%)	$563,756 (+1.18%) Land $22,934 Building $540,822
2022	$5,614.00 Homeowner's exemption	$414,910	$557,165 Land $16,684 Building $540,481

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 80% of the US · above 70% of Florida
Wildfire Likelihood	0.4% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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