16207 Co Rd 450, Umatilla, FL 32784 Property Records

Lake County property record for 16207 Co Rd 450, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,559 sqft · built 2019
Lot Size	10.7 acres (467,481 sqft)
Owner	Individual Name on File
Tax Bill	$4,576 (2024)
Deeds & Mortgages	Sep 2018 Construction Loan Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`11-18-26-0003-000-04600`

Property Details

APN / Parcel Number

Primary APN	`11-18-26-0003-000-04600`
Alternative APNs	`261811000300004600` `1036551`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,559 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	2,259 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	467,481 sqft (10.7 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	689 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	400 sqft
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	1036551
Street Address	16207 COUNTY ROAD 450
City	UMATILLA
State	FL
Zip	32784-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	E 1/2 OF SW 1/4 OF SW 1/4 OF SEC 11-18-26 BEG AT NE COR OF NW 1/4 OF NW 1/4 OF SEC 14-18-26 RUN S 89-44-30 W ALONG N LINE OF NW 1/4 OF NW 1/4 A DIST OF 570 FT S 0-05-35 E 198.12 FT TO NLY R/W OF SR 450 THENCE RUN ELY ALONG SAID NLY R/W LINE OF SR 450
Legal Range	26E
Legal Township	18S
Legal Section	11
Legal Quarter	3
Legal Subdivision	ACREAGE
Legal Tract	0003
Legal Lot Number	46
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2024
Census Tract	30110

Owner

Source: Lake County records · APN 11-18-26-0003-000-04600

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 21, UMATILLA, FL 32784-0021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2018	Deed of Trust, Mortgage · Construction Mortgage UNITED SOUTHERN BANK
Sep 28, 2020	Deed of Trust, Mortgage ADDITION FIN'L CU
May 05, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	May 05, 2017
Transfer Doc	0049402346
Record Updated	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16207 COUNTY ROAD 450, UMATILLA, FL 32784-9348
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051731963
Date	Sep 21, 2018
Book Page	5173/1963
Instrument	2018111908

Lender

Name	UNITED SOUTHERN BANK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2048

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16207 COUNTY ROAD 450, UMATILLA, FL 32784-9348
Document Number	0055562416
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16207 COUNTY ROAD 450 UMATILLA FL 327849348, UMATILLA, FL 32784-9348

Mortgage

Document Number	0055562416
Date	Oct 06, 2020
Book Page	005556/002416
Instrument	111080

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 05, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	May 05, 2017
Property Address	16207 COUNTY ROAD 450, UMATILLA, FL 32784-9348
Document Number	0049402346
Book / Page	004940 / 002346
Instrument Date	May 05, 2017
Instrument	49467
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 21 UMATILLA FL 327840021, UMATILLA, FL 32784-0021

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$338,730 (+2.9%)	$520,071 (-) Land $207,775 Building $312,296
2025		$329,190 (+5.98%) Land $207,775 Building $121,415	$520,071 (+20.58%) Land $207,775 Building $312,296
2024	$4,576.00 (+8.31%)
2023	$4,225.00 (+4.48%) Homeowner's exemption	$310,610 (+3%)	$431,296 (+1%) Land $130,610 Building $300,686
2022	$4,044.00 Homeowner's exemption	$301,570	$392,081 Land $91,395 Building $300,686

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), as of September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690301102, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	64.0 ft
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

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 12 locations within half a mile of this property.

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