16775 Keene Rd, Umatilla, FL 32784 Property Records

Lake County property record for 16775 Keene Rd, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,484 sqft · built 2019
Lot Size	6.49 acres (282,927 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Jul 2017)
Tax Bill	$8,560 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-18-26-0001-000-03000`

Property Details

APN / Parcel Number

Primary APN	`02-18-26-0001-000-03000`
Alternative APNs	`261802000100003000` `3353048`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,484 sqft Living Area
Gross Area	4,584 sqft
1st Floor Area	3,484 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	282,927 sqft (6.49 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	1,100 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Open Porch
Porch Area	726 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3353048
Street Address	16775 KEENE RD
City	UMATILLA
State	FL
Zip	32784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	FROM E 1/4 COR RUN N 89DEG 29MIN 35SEC W ALONG EAST-WEST MID-SEC LINE 1246.58 FT TO EXISTING CENTERLINE OF KEENE RD N 00DEG 04MIN 34SEC W ALONG SAID CENTERLINE OF RD 907.04 FT FOR POB CONT N 00DEG 04MIN 34SEC W 218.01 FT N 89DEG 29MIN 35SEC W 1055 FT
Legal Range	26E
Legal Township	18S
Legal Section	2
Legal Quarter	1
Legal Subdivision	ACREAGE
Legal Tract	0001
Legal Block	2
Legal Lot Number	30
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2015
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	Individual Name on Record
Mailing Address	PO BOX 573, SORRENTO, FL 32776-0573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage GEORGIA BKNG
Sep 11, 2018	Trustee's Deed, Construction Loan · Line of Credit GEORGIA BKNG
Aug 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 11, 2017	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Apr 25, 2012 · Amount on Record
Deed Document Number	201773741
Deed Book / Page	4969 / 1704
Last Transfer Date	Aug 10, 2018
Transfer Doc	0051611080
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16775 KEENE RD, UMATILLA, FL 32784
Document Number	0053612099
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9084 SAINT ANDREWS WAY MOUNT DORA FL 327579138, MOUNT DORA, FL 32757-9138

Mortgage

Document Number	0053612099
Date	Oct 22, 2019
Book Page	005361/002099
Instrument	119537

Lender

Name	GEORGIA BKNG
Type	Funding / Finance Company
Address	ATLANTA, GA 30339

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAKE FL
Recording Date	Sep 11, 2018
Property Address	16775 KEENE RD, UMATILLA, FL 32784
Document Number	0051670721
Book / Page	005167 / 000721
Instrument Date	Aug 29, 2018
Instrument	105948
Transaction Type	Construction Loan
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16775 KEENE RD UMATILLA FL 32784, UMATILLA, FL 32784

Mortgage

Document Number	51670721
Date	Sep 11, 2018
Book Page	005167/000721
Instrument	105948

Lender

Name	GEORGIA BKNG
Type	Funding / Finance Company
Address	ATLANTA, GA 30339

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2019

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Aug 29, 2018
Property Address	16775 KEENE RD, UMATILLA, FL 32784
Document Number	0051611080
Book / Page	005161 / 001080
Instrument Date	Aug 10, 2018
Instrument	101023
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9084 SAINT ANDREWS WAY MOUNT DORA FL 327579138, MOUNT DORA, FL 32757-9138

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 11, 2017
Property Address	16775 KEENE RD, UMATILLA, FL 32784
Document Number	0049691704
Book / Page	4969 / 1704
Instrument Date	Jun 30, 2017
Instrument	2017073741
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17415 EAST RD, 17415, UMATILLA, FL 32784-9238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 169, SORRENTO, FL 32776-0169

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		$649,550 (+2.9%)	$862,655 (-0.06%) Land $419,082 Building $443,573
2025		$631,250 (+5.99%) Land $419,082 Building $212,168	$863,155 (+24.23%) Land $419,082 Building $444,073
2024	$8,560.00 (+6.31%)
2023	$8,052.00 (+2.22%) Homeowner's exemption	$595,600 (+3%)	$694,816 (-8.85%) Land $263,227 Building $431,589
2022	$7,877.00 Homeowner's exemption	$578,260	$762,279 Land $331,190 Building $431,089

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 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	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% 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 17 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.

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