18 Cayman Cir, Umatilla, FL 32784 Property Records

Lake County property record for 18 Cayman Cir, Umatilla, FL 32784

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 960 sqft · built 1989
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$154,000 (Mar 2023)
Tax Bill	$1,755 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-18-26-0015-000-05800`

Property Details

APN / Parcel Number

Primary APN	`14-18-26-0015-000-05800`
Alternative APN	`3240669`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Architectural Style	Mobile/Manufactured
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Pier/Post & Beam
Roof Material	Shingle
Lot Area	5,000 sqft (0.114 acres)
Garage Type	Carport
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3240669
Street Address	18 CAYMAN CIR
City	UMATILLA
State	FL
Zip	32784-9079
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	UMATILLA LAKE MARY ESTATES SUB LOT 58 PB 28 PG 74-76 ORB 6105 PG 642
Legal Range	26E
Legal Township	18S
Legal Section	14
Legal Subdivision	LAKE MARY ESTATES
Legal Tract	15
Legal Lot Number	58
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1069
Census Tract	30110

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18 CAYMAN CIR, UMATILLA, FL 32784-9079
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Sep 16, 2004 · Amount on Record
Deed Document Number	2023027211
Deed Book / Page	6105 / 642
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 10, 2023
Property Address	18 CAYMAN CIR, UMATILLA, FL 32784-9079
Document Number	0061050642
Book / Page	6105 / 642
Map Reference	MB 28 PG 74
Instrument Date	Mar 2, 2023
Instrument	2023027211
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	NOT AVAILABLE, A & B T&E SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,078.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	724 N KENTUCKY AVE, UMATILLA, FL 32784-9065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CAYMAN CIR, UMATILLA, FL 32784-9079

Mortgage

Document Number	0006105643
Date	Mar 10, 2023
Instrument	6105/643

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$119,733 (+56.99%) Land $44,000 Building $75,733	$119,733 (+56.99%) Land $44,000 Building $75,733
2024	$1,755.00 (+21.88%)
2023	$1,440.00 (+8.52%)	$76,267 (-)	$76,267 (-) Land $25,000 Building $51,267
2022	$1,327.00	$76,267	$76,267 Land $25,000 Building $51,267

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	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

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 215 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20