Lake County property record for 177 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,461 sqft · built 1980 |
| Lot Size | 0.283 acres (12,304 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Mar 2005) |
| Tax Bill | $1,314 (2024) |
| Deeds & Mortgages | Jan 2026 Line of Credit Mar 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0400-002-00700 |
| Primary APN | 13-18-26-0400-002-00700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,461 sqft Living Area |
| Gross Area | 2,107 sqft |
| 1st Floor Area | 1,461 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,304 sqft (0.283 acres) |
| Lot Dimensions | 137 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 406 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Finished Porch |
| Porch Area | 420 sqft |
| Utility Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1499771 |
|---|---|
| Street Address | 177 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA HI-LAND COURT LOT 7 W 1/2 OF LOT 8 BLK 2 PB 7 PG 48 ORB 2782 PG 694 ORB 4600 PG 1963 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | HI-LAND COURT SUB |
| Legal Tract | 0400 |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1065 |
| Census Tract | 30109 |
177 Rose St is owned and occupied by an individual who acquired it in March 2015.
Source: Lake County records, as of January 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 717, UMATILLA, FL 32784-0717 |
| 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 |
|---|---|
| Jan 2, 2026 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Mar 26, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2005 · Amount on File |
| Deed Sale | Mar 16, 2005 · Amount on File |
| Deed Document Number | 200537443 |
| Deed Book / Page | 2782 / 694 |
| Last Transfer Date | Mar 11, 2015 |
| Transfer Doc | 0046001963 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 177 ROSE ST, UMATILLA, FL 32784-9055 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 177 ROSE ST, UMATILLA, FL 32784-9055 |
| Document Number | 0066590079 |
|---|---|
| Date | Jan 2, 2026 |
| Book Page | 6659/79 |
| Instrument | 2026000085 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Jan 1, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 177 ROSE ST, UMATILLA, FL 32784-9055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052530867 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 5253/0867 |
| Instrument | 2019032382 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 177 ROSE ST, UMATILLA, FL 32784-9055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 177 ROSE ST, UMATILLA, FL 32784-9055 |
| Document Number | 0055862370 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 5586/2370 |
| Instrument | 2020131524 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,100 (+2.89%) | $249,850 (-) Land $68,500 Building $181,350 | |
| 2025 | $100,200 Land $68,500 Building $31,700 | $249,850 Land $68,500 Building $181,350 | |
| 2024 | $1,314.00 (+4.87%) | ||
| 2023 | $1,253.00 (+9.05%) Homeowner's exemption | $94,550 (+3%) | $203,021 (+24.05%) Land $69,459 Building $133,562 |
| 2022 | $1,149.00 Homeowner's exemption | $91,800 | $163,661 Land $30,099 Building $133,562 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 177 Rose St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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 177 Rose St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | UMATILLA WATER WORKS (2 WPS) serves 3,948 people · EPA ID FL3351402 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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