17853 Palm St, Umatilla, FL 32784 Property Records

Lake County property record for 17853 Palm St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,843 sqft · built 2020
Lot Size	0.328 acres (14,295 sqft)
Owner	Individual Name on File
Last Sale	$18,000 (May 2018)
Tax Bill	$1,867 (2024)
Deeds & Mortgages	Feb 2020 Construction Loan Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-18-26-0300-00D-01900`

Property Details

APN / Parcel Number

Primary APN	`01-18-26-0300-00D-01900`
Alternative APN	`1126983`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,295 sqft (0.328 acres)
Lot Dimensions	143 ft deep x 100 ft wide
Garage Type	Finished
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1126983
Street Address	17853 PALM ST
City	UMATILLA
State	FL
Zip	32784-8667
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER BEACH HEIGHTS LOT 19 BLK D & 1/84 INT IN LOT 21 BLK H PB 14 PG 25 ORB 5103 PG 319
Legal Range	26E
Legal Township	18S
Legal Section	01
Legal Subdivision	SILVER BEACH HEIGHTS
Legal Tract	300
Legal Block	D,H
Legal Lot Number	19,21
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2012
Census Tract	30110

Owner

17853 Palm St is owned and occupied by an individual who bought it in May 2018.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	17853 PALM ST, UMATILLA, FL 32784-8667
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

Date	Document
Feb 7, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Nov 20, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK
May 2, 2018	Special Warranty Deed, Transfer · Line of Credit UNITED SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Aug 26, 2015 · Amount on File
Deed Document Number	2018050363
Deed Book / Page	5103 / 0319
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	17853 PALM ST, UMATILLA, FL 32784-8667
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054182137
Date	Feb 7, 2020
Book Page	5418/2137
Instrument	2020016466

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Mar 1, 2051

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	17853 PALM ST, UMATILLA, FL 32784-8667
Document Number	0055880888
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17716 SE HWY 90 W UMATILLA FL 32784, UMATILLA, FL 32784

Mortgage

Document Number	0055880888
Date	Nov 23, 2020
Book Page	005588/000888
Instrument	132483

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2050

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 2, 2018
Property Address	17853 PALM ST, UMATILLA, FL 32784-8667
Document Number	0051030319
Book / Page	5103 / 0319
Map Reference	MB 14 PG 25
Instrument Date	May 1, 2018
Instrument	2018050363
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10203 TROUT RD, 10203, ORLANDO, FL 32836-6544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17716 SE 237TH CT, UMATILLA, FL 32784-7825

Mortgage

Document Number	2018050364
Date	May 2, 2018
Instrument	2018050364

Lender

Name	UNITED SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 1, 2023

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$120,294 Land $68,750 Building $51,544	$120,294 Land $68,750 Building $51,544
2024	$1,867.00 (+13.36%)
2023	$1,647.00 (-56.94%) Homeowner's exemption	$118,648 (-58.48%)	$118,648 (-58.48%) Land $68,750 Building $49,898
2022	$3,825.00 Homeowner's exemption	$285,753	$285,753 Land $43,750 Building $242,003

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

Flood

FEMA maps place 17853 Palm 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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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 17853 Palm St is moderate, ranking above 53% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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