1. Home
  2. Florida
  3. Umatilla
  4. Lake Smith Rd

16632 Lake Smith Rd, Umatilla, FL 32784 Property Records

Lake County property record for 16632 Lake Smith Rd, Umatilla, FL 32784 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2016
Square Footage1,989 sqft Living Area
Lot Size1,161,324 sqft (26.6 acres)
OccupancyOwner Occupied
Last Sale$390,000 (2021)
Tax Bill$4,933.00 (2025)

Property Details

APN / Parcel Number

Primary APN23-18-26-1200-000-00700
Alternative APNs
  • 261823120000000700
  • 3781325

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,989 sqft Living Area
Gross Area2,709 sqft Gross Area
1st Floor1,989 sqft 1st Floor
Stories1 Stories

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2016
Exterior MaterialBrick Exterior
Construction TypeFrame Construction
Roof MaterialAsphalt Roof
Lot Area1,161,324 sqft (26.6 acres)
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area720 sqft Garage
Porch Area420 sqft Porch
Boat AccessBoat Access
Utility Building1,092 sqft Utility Building

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3781325
Street Address16632 LAKE SMITH RD
CityUMATILLA
StateFL
Zip32784-8838
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKE SMITH ESTATES SUB LOT 7 PB 40 PGS 65-67 ORB 5839 PG 2093
Legal Range26E
Legal Township18S
Legal Section23
Legal SubdivisionLAKE SMITH ESTATES SUB
Legal Tract1200
Legal Lot Number7
JurisdictionLAKE FL
Minor Civil DivisionUMATILLA
Census Blockgroup3
Census Block3018
Census Tract30110

Owner

Source: Lake County records · APN 23-18-26-1200-000-00700

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

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

Owner of Record2 Individual Names on File
Mailing Address16632 LAKE SMITH RD, UMATILLA, FL 32784-8838
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jun 17, 2026Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK INC
Nov 17, 2021Warranty Deed, Transfer · Conventional Mortgage
CITIZENS BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 17, 2021 · Amount on Record
Deed SaleNov 17, 2021 · Amount on Record
Deed Doc Number2021160185
Deed Book / Page5839 / 2093
Prior Transfer DateDec 15, 2006
Prior Transfer Doc0033270229
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Recording DateJun 17, 2026
Property Address16632 LAKE SMITH RD, UMATILLA, FL 32784-8838
Document Number0000074612
Book / Page6759 / 2171
Instrument DateJun 10, 2026
Instrument202674612
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address16632 LAKE SMITH RD, UMATILLA, FL 32784-8838

Mortgage

Document Number0000074612,
DateJun 17, 2026
Book Page6759/2171
Instrument202674612
Lender
NameCITIZENS BANK INC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJun 15, 2051
Interest
Rate6.36%
Max Rate-1%

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateNov 17, 2021
Property Address16632 LAKE SMITH RD, UMATILLA, FL 32784-8838
Document Number0058392093
Book / Page5839 / 2093
Map ReferenceMB 40 PG 65
Instrument DateNov 12, 2021
Instrument2021160185
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2250 LEVIAS RD, MARION, KY 42064-6949

Transferred To (Grantee/Buyer)

NameVerified Name
Address16632 LAKE SMITH RD, UMATILLA, FL 32784-8838

Mortgage

Document Number0058392098
DateNov 17, 2021
Instrument5839/2098
Lender
NameCITIZENS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake 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.

YearTax BillAssessed ValueAssessed Market Value
2026$357,720 (+2.9%)$394,382 (-0.17%) Land $123,375 Building $271,007
2025$4,933.00 (+2.37%) Homeowner's exemption$347,640 (+5.98%) Land $123,375 Building $224,265$395,068 (+2.21%) Land $123,375 Building $271,693
2024$4,819.00 (+8.1%)
2023$4,458.00 (+4.21%) Homeowner's exemption$328,010 (+3%)$386,520 (+0.18%) Land $123,375 Building $263,145
2022$4,278.00 Homeowner's exemption$318,464$385,834 Land $123,375 Building $262,459

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Lake Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures