16631 Lake Smith Rd, Umatilla, FL 32784 Property Records

Lake County property record for 16631 Lake Smith Rd, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,714 sqft · built 2002
Lot Size	0.65 acres (28,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Nov 2021)
Tax Bill	$3,269 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-18-26-1200-000-00400`

Property Details

APN / Parcel Number

Primary APN	`23-18-26-1200-000-00400`
Alternative APNs	`261823120000000400` `3781322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,714 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	1,714 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	28,302 sqft (0.65 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	456 sqft
Porch	Screened/Unfinished Porch
Porch Area	429 sqft
Deck Area	Deck Area
Patio Area	234 sqft
Utility Building	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3781322
Street Address	16631 LAKE SMITH RD
City	UMATILLA
State	FL
Zip	32784-8836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LAKE SMITH ESTATES SUB LOT 4 PB 40 PGS 65-67 ORB 5829 PG 782
Legal Range	26E
Legal Township	18S
Legal Section	23
Legal Subdivision	LAKE SMITH ESTATES SUB
Legal Tract	1200
Legal Lot Number	4
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	3
Census Block	3018
Census Tract	30110

Owner

Source: Lake County records, as of November 26, 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
Mailing Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Warranty Deed, Transfer · Conventional Mortgage ADDITION FINANCIAL CU
Nov 8, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FINANCIAL GROUP INC
Jul 27, 2018	Intrafamily Transfer, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Document Number	2021152869
Deed Book / Page	5829 / 782
Prior Transfer Date	Jul 16, 2018
Prior Transfer Doc	0051460407
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 3, 2021
Property Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836
Document Number	0058290782
Book / Page	5829 / 782
Map Reference	MB 40 PG 65-67
Instrument Date	Sep 27, 2021
Instrument	2021152869
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 934, UMATILLA, FL 32784-0934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836

Mortgage

Document Number	0005829784
Date	Nov 3, 2021
Instrument	5829/784

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 8, 2019
Property Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836
Document Number	0053712017
Book / Page	5371 / 2017
Map Reference	MB 40 PG 65-67
Instrument Date	Nov 4, 2019
Instrument	2019127327
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,233.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16631 LAKE SMITH RD, 16631, UMATILLA, FL 32784-8836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836

Mortgage

Document Number	0053712019
Date	Nov 8, 2019
Instrument	5371/2019

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Jul 27, 2018
Property Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836
Document Number	0051460407
Book / Page	5146 / 0407
Map Reference	MB 40 PG 65
Instrument Date	Jul 16, 2018
Instrument	2018087577
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	BROKERS TITLE OF LEESBURG LL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16631 LAKE SMITH RD, UMATILLA, FL 32784-8836

Mortgage

Document Number	2018087578
Date	Jul 27, 2018
Instrument	2018087578

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$236,770 (+2.9%)	$330,513 (-0.11%) Land $45,100 Building $285,413
2025		$230,100 (+5.98%) Land $45,100 Building $185,000	$330,866 (+3.21%) Land $45,100 Building $285,766
2024	$3,269.00 (+10.1%)
2023	$2,969.00 (+6.57%) Homeowner's exemption Additional exemption filed	$217,110 (+3%)	$320,582 (+0.11%) Land $45,100 Building $275,482
2022	$2,786.00 Homeowner's exemption Additional exemption filed	$210,789	$320,229 Land $45,100 Building $275,129

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 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 72% of the US · above 55% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: CenturyLink, Xfinity.

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