16640 Lake Smith Rd, Umatilla, FL 32784 Property Records

Lake County property record for 16640 Lake Smith Rd, Umatilla, FL 32784 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,176 sqft · built 2004
Lot Size	0.881 acres (38,395 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Feb 2018)
Tax Bill	$4,418 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-18-26-1200-000-00600`

Property Details

APN / Parcel Number

Primary APN	`23-18-26-1200-000-00600`
Alternative APNs	`261823120000000600` `3781324`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,176 sqft Living Area
Gross Area	2,682 sqft
1st Floor Area	1,984 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	38,395 sqft (0.881 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Florida Room
Porch Area	276 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3781324
Street Address	16640 LAKE SMITH RD
City	UMATILLA
State	FL
Zip	32784-8838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE SMITH ESTATES SUB LOT 6 PB 40 PGS 65-67 ORB 5062 PG 13 ORB 5952 PG 1023 ORB 5996 PG 2148
Legal Range	26E
Legal Township	18S
Legal Section	23
Legal Subdivision	LAKE SMITH ESTATES SUB
Legal Tract	1200
Legal Lot Number	6
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	3
Census Block	3018
Census Tract	30110

Owner

Source: Lake County records · APN 23-18-26-1200-000-00600

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	2 Individual Names on File
Mailing Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jul 22, 2022	Correction Deed ACCOMODATION, ACCOMMODATION
May 09, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 03, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 02, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 02, 2018 · Amount on Record
Deed Sale	Feb 02, 2018 · Amount on Record
Prior Sale	Dec 05, 2014 · Amount on Record
Deed Document Number	201813042
Deed Book / Page	5062 / 13
Last Transfer Date	May 04, 2022
Transfer Doc	0059521023
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838

Mortgage

Document Number	0057960940
Date	Sep 17, 2021
Book Page	5796/940
Instrument	2021128435

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2041

July 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE FL
Recording Date	Jul 22, 2022
Property Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Document Number	0059962148
Book / Page	5996 / 2148
Map Reference	MB 40 PG 65
Instrument Date	Jul 22, 2022
Instrument	2022100441
Record Updated	May 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18831 SE 74TH AVE, INGLIS, FL 34449-3621

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	May 09, 2022
Property Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Document Number	0059521023
Book / Page	5952 / 1023
Map Reference	MB 40 PG 65
Instrument Date	May 04, 2022
Instrument	2022064274
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18831 SE 74TH AVE, INGLIS, FL 34449-3621

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054800317
Date	Jun 03, 2020
Book Page	5480/317
Instrument	2020059607

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 02, 2018
Property Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838
Document Number	0050620013
Book / Page	5062 / 0013
Map Reference	MB 40 PG 65
Instrument Date	Feb 01, 2018
Instrument	2018013042
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41733 ROYAL TRAILS RD, 41733, EUSTIS, FL 32736-8153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16640 LAKE SMITH RD, UMATILLA, FL 32784-8838

Mortgage

Document Number	2018013043
Date	Feb 02, 2018
Instrument	2018013043

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

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		$326,400 (+2.9%)	$375,125 (-0.09%) Land $70,500 Building $304,625
2025		$317,210 (+5.98%) Land $70,500 Building $246,710	$375,448 (+2.53%) Land $70,500 Building $304,948
2024	$4,418.00 (+8.47%)
2023	$4,073.00 (+4.65%) Homeowner's exemption	$299,300 (+3%)	$366,176 (+0.1%) Land $70,500 Building $295,676
2022	$3,892.00 Homeowner's exemption	$290,590	$365,821 Land $70,500 Building $295,321

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690301103, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 19 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force

Wildfire

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	About 1 in 284 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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