16901 Cumbermoore Ln, Umatilla, FL 32784 Property Records

Lake County property record for 16901 Cumbermoore Ln, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,226 sqft · built 1972
Lot Size	0.333 acres (14,509 sqft)
Owner	2 Individual Names on File
Last Sale	$89,300 (Oct 2017)
Tax Bill	$2,726 (2024)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-18-26-0400-000-01800`

Property Details

APN / Parcel Number

Primary APN	`26-18-26-0400-000-01800`
Alternative APN	`1430160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,226 sqft Living Area
Gross Area	2,556 sqft
1st Floor Area	2,226 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,509 sqft (0.333 acres)
Lot Dimensions	103 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	628 sqft
Deck Area	Deck Area
Patio Area	468 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1430160
Street Address	16901 CUMBERMOORE LN
City	UMATILLA
State	FL
Zip	32784-9274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	FOREST LAKE SUB LOT 18 PB 14 PG 40 ORB 4800 PG 2047 ORB 5012 PG 1613
Legal Range	26E
Legal Township	18S
Legal Section	26
Legal Subdivision	FOREST LAKE SUB
Legal Tract	0400
Legal Lot Number	18
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	3
Census Block	3097
Census Tract	30110

Owner

Source: Lake County records · APN 26-18-26-0400-000-01800

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	16901 CUMBERMOORE LN, UMATILLA, FL 32784-9274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2017 · Amount on Record
Deed Sale	Oct 13, 2017 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	2017109399
Deed Book / Page	5012 / 1613
Prior Transfer Date	Sep 25, 2017
Prior Transfer Doc	0050121617
Record Updated	Jun 08, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Oct 13, 2017
Property Address	16901 CUMBERMOORE LN, UMATILLA, FL 32784-9274
Document Number	0050121613
Book / Page	5012 / 1613
Map Reference	MB 14 JPG 40
Instrument Date	Sep 25, 2017
Instrument	2017109399
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIRST NATIONAL LAND TRANSFER

Transaction

Amount	Amount Recorded
Tax	$625.10
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16901 CUMBERMOORE LN, UMATILLA, FL 32784-9274

Mortgage

Document Number	0050121617
Date	Oct 13, 2017
Book Page	5012/1617
Instrument	2017109401

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2047

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		$192,610 (+2.9%)	$293,181 (-) Land $33,413 Building $259,768
2025		$187,190 (+5.98%) Land $33,413 Building $153,777	$293,181 (+25.46%) Land $33,413 Building $259,768
2024	$2,726.00 (+11.36%)
2023	$2,448.00 (+8.22%) Homeowner's exemption	$176,630 (+3%)	$233,676 (+0.91%) Land $33,413 Building $200,263
2022	$2,262.00 Homeowner's exemption	$171,490	$231,566 Land $33,413 Building $198,153

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 132 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EUSTIS, CITY OF (4 WTPS) serves 39,721 people
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.