Lake County property record for 16915 Cumbermoore Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,348 sqft · built 1973 |
| Lot Size | 0.265 acres (11,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Apr 2026) |
| Tax Bill | $2,125 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-18-26-0400-000-01600 |
| Primary APN | 26-18-26-0400-000-01600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| Gross Area | 1,684 sqft |
| 1st Floor Area | 1,348 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 11,550 sqft (0.265 acres) |
| Lot Dimensions | 110 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 460 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Utility Building | 960 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1638607 |
|---|---|
| Street Address | 16915 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 16 PB 14 PG 40 ORB 5453 PG 1309 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 26 |
| Legal Subdivision | FOREST LAKE SUB |
| Legal Tract | 0400 |
| Legal Lot Number | 16 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3097 |
| Census Tract | 30110 |
16915 Cumbermoore Ln is owned and occupied by an individual who bought it in April 2026.
Source: Lake County records, as of May 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Apr 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FINANCIAL GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Prior Sale | Apr 9, 2020 · Amount on File |
| Deed Document Number | 202647001 |
| Deed Book / Page | 6721 / 2285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0067212285 |
| Book / Page | 6721 / 2285 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202647001 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | AMERICAS TITLE, AMERICAS TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222,705.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0000047002, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 202647002 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0000047001 |
| Book / Page | 6721 / 2285 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026.47001 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | AMERICAS TITLE GROUP, AMERICAS TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222,705.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0000047002, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026..47002 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 9, 2020 |
| Property Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0054531309 |
| Book / Page | 5453 / 1309 |
| Map Reference | MB 14 PG 40 |
| Instrument Date | Apr 8, 2020 |
| Instrument | 2020042202 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 925 CEDAR CIR, 925, TAVARES, FL 32778-4441 |
| Name | Verified Name |
|---|---|
| Address | 16915 CUMBERMOORE LN, UMATILLA, FL 32784-9274 |
| Document Number | 0054531311 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 5453/1311 |
| Name | MORTGAGE FINANCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $147,550 (+2.89%) | $199,143 (-) Land $30,375 Building $168,768 | |
| 2025 | $143,400 Land $30,375 Building $113,025 | $199,143 Land $30,375 Building $168,768 | |
| 2024 | $2,125.00 (+13.64%) | ||
| 2023 | $1,870.00 (+10.91%) Homeowner's exemption | $135,310 (+3%) | $159,899 (-) Land $30,375 Building $129,524 |
| 2022 | $1,686.00 Homeowner's exemption | $131,370 | $159,899 Land $30,375 Building $129,524 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 16915 Cumbermoore Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 16915 Cumbermoore Ln is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EUSTIS, CITY OF (4 WTPS) serves 39,721 people · EPA ID FL3350346 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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