16934 Cumbermoore Ln, Umatilla, FL 32784 Property Records

Lake County property record for 16934 Cumbermoore Ln, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,238 sqft · built 1972
Lot Size	0.265 acres (11,550 sqft)
Owner	Individual Name on File
Last Sale	$94,000 (Aug 2014)
Tax Bill	$2,216 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-18-26-0400-000-02300`

Property Details

APN / Parcel Number

Primary APN	`26-18-26-0400-000-02300`
Alternative APN	`1719593`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,238 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	1,238 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2018
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	506 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1719593
Street Address	16934 CUMBERMOORE LN
City	UMATILLA
State	FL
Zip	32784-9273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	FOREST LAKE SUB LOT 23 PB 14 PG 40 ORB 4507 PG 1612 ORB 4514 PG 2096
Legal Range	26E
Legal Township	18S
Legal Section	26
Legal Subdivision	FOREST LAKE SUB
Legal Tract	0400
Legal Lot Number	23
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	3
Census Block	3097
Census Tract	30110

Owner

16934 Cumbermoore Ln is owned and occupied by an individual who bought it in August 2014.

Source: Lake County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	16934 CUMBERMOORE LN, UMATILLA, FL 32784-9273
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2014 · Amount on File
Deed Sale	Aug 14, 2014 · Amount on File
Prior Sale	Jul 29, 2014 · Amount on File
Deed Document Number	201488869
Deed Book / Page	4514 / 2096
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	0045142096
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	16934 CUMBERMOORE LN, UMATILLA, FL 32784-9273
Document Number	0055800463
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	APPLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16934 CUMBERMOORE LN UMATILLA FL 327849273, UMATILLA, FL 32784-9273

Mortgage

Document Number	0055800463
Date	Nov 10, 2020
Book Page	005580/000463
Instrument	126603

Lender

Name	MORTGAGE FIN'L GRP INC
Type	Mortgage Company
Address	TAVARES, FL 32778

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

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		$154,600 (+2.9%)	$181,906 (-) Land $30,375 Building $151,531
2025		$150,250 Land $30,375 Building $119,875	$181,906 Land $30,375 Building $151,531
2024	$2,216.00 (+14.23%)
2023	$1,940.00 (+3.63%) Homeowner's exemption Additional exemption filed	$140,527 (-2.92%)	$140,527 (-2.92%) Land $30,375 Building $110,152
2022	$1,872.00 Homeowner's exemption Additional exemption filed	$144,759	$144,759 Land $30,375 Building $114,384

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16934 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

Wildfire risk around 16934 Cumbermoore Ln is high, ranking above 75% 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 75% of the US · above 60% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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