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16944 Cumbermoore Ln, Umatilla, FL 32784 Property Records

Lake County property record for 16944 Cumbermoore Ln, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,718 sqft · built 1971
Lot Size0.265 acres (11,550 sqft)
OwnerIndividual Name on File
Last Sale$215,000 (Aug 2021)
Tax Bill$2,452 (2024)
Deeds & MortgagesJul 2023 Mortgage
Aug 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-18-26-0400-000-02400

Property Details

APN / Parcel Number

Primary APN26-18-26-0400-000-02400
Alternative APN
  • 1520584

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,718 sqft Living Area
1st Floor Area1,718 sqft

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Construction TypeFrame
Roof MaterialAsphalt
Lot Area11,550 sqft (0.265 acres)
Lot Dimensions105 ft deep x 110 ft wide
PorchScreened/Unfinished Porch
Porch Area221 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1520584
Street Address16944 CUMBERMOORE LN
CityUMATILLA
StateFL
Zip32784-9273
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR6
Legal DescriptionFOREST LAKE SUB LOT 24 PB 14 PG 40 ORB 5773 PG 1102
Legal Range26E
Legal Township18S
Legal Section26
Legal SubdivisionFOREST LAKE SUB
Legal Tract0400
Legal Lot Number24
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group3
Census Block3097
Census Tract30110

Owner

16944 Cumbermoore Ln is owned and occupied by an individual who bought it in August 2021.

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

Owner of RecordIndividual Name on File
Mailing Address16944 CUMBERMOORE LN, UMATILLA, FL 32784-9273
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 26, 2023Deed of Trust, Mortgage · FHA Mortgage
PLANET HOME LENDING LLC
Aug 16, 2021Warranty Deed, Transfer · FHA Mortgage
ALKAN MORTGAGE CORP
Jul 13, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 16, 2021 · Amount on File
Deed SaleAug 16, 2021 · Amount on File
Prior SaleJun 23, 2004 · Amount on File
Deed Document Number2021112687
Deed Book / Page5773 / 1102
Prior Transfer DateJul 12, 2020
Prior Transfer Doc0055021408
Record UpdatedJun 8, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address16944 CUMBERMOORE LN, UMATILLA, FL 32784-9273
Transaction TypeMortgage
Record UpdatedAug 9, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address16944 CUMBERMOORE LN, UMATILLA, FL 32784-9273

Mortgage

Document Number0061820910
DateJul 26, 2023
Book Page6182/910
Instrument2023089721
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressMERIDEN, CT 06450
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term338 Months
DueSep 1, 2051

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 16, 2021
Property Address16944 CUMBERMOORE LN, UMATILLA, FL 32784-9273
Document Number0057731102
Book / Page5773 / 1102
Map ReferenceMB 14 PG 40
Instrument DateAug 12, 2021
Instrument2021112687
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5524 OAK LN, FRUITLAND PARK, FL 34731-6027

Transferred To (Grantee/Buyer)

NameVerified Name
Address16944 CUMBERMOORE LN, DONA VISTA, FL 32784-9273

Mortgage

Document Number0057731104
DateAug 16, 2021
Instrument5773/1104
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateJul 13, 2020
Property Address16944 CUMBERMOORE LN, UMATILLA, FL 32784-9273
Document Number0055021408
Book / Page005502 / 001408
Instrument DateJul 12, 2020
Instrument74249
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address16944 CUMBERMOORE LN UMATILLA FL 327849273, UMATILLA, FL 32784-9273

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$173,010 (+2.9%)$205,311 (-) Land $30,375 Building $174,936
2025$168,140 Land $30,375 Building $137,765$205,311 Land $30,375 Building $174,936
2024$2,452.00 (+12.12%)
2023$2,187.00 (+5.75%) Homeowner's exemption Additional exemption filed$158,916 (-)$158,916 (-) Land $30,375 Building $128,541
2022$2,068.00 Homeowner's exemption Additional exemption filed$158,916$158,916 Land $30,375 Building $128,541

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

Flood

FEMA maps place 16944 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 19 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies19 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 16944 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 RiskHigh
above 75% of the US · above 60% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemEUSTIS, CITY OF (4 WTPS)
serves 39,721 people · EPA ID FL3350346
Water SourceGroundwater
Last State InspectionMar 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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