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18015 Beach St, Umatilla, FL 32784 Property Records

Lake County property record for 18015 Beach St, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,440 sqft · built 1980
Lot Size0.32 acres (13,951 sqft)
Owner2 Individual Names on Record
Last Sale$255,000 (Jan 2026)
Tax Bill$4,099 (2025)
Deeds & MortgagesDec 2024 Mortgage
Jan 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-18-26-0300-00E-00400

Property Details

APN / Parcel Number

Primary APN01-18-26-0300-00E-00400
Alternative APNs
  • 261801030000E00400
  • 1127025

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,440 sqft Living Area
Gross Area1,944 sqft
1st Floor Area1,440 sqft

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2018
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area13,951 sqft (0.32 acres)
Lot Dimensions141 ft deep x 100 ft wide
Garage TypeAttached
Garage Area504 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchUnfinished Open Porch
Porch Area36 sqft
Deck Area565 sqft
Patio Area244 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1127025
Street Address18015 BEACH ST
CityUMATILLA
StateFL
Zip32784-8680
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionSILVER BEACH HEIGHTS LOT 4 BLK E & 1/84 INT IN LOT 21 BLK H PB 14 PG 25 ORB 6403 PG 1375
Legal Range26E
Legal Township18S
Legal Section1
Legal SubdivisionSILVER BEACH HEIGHTS
Legal Tract0300
Legal BlockE
Legal Lot Number4
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2006
Census Tract30110

Owner

Source: Lake County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address18015 BEACH ST, UMATILLA, FL 32784-8680
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2024Deed of Trust, Mortgage · Balloon Mortgage
CAPITAL FUNDINGS LLC
Jan 20, 2026Warranty Deed, Transfer · FHA Mortgage
ML MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 20, 2026 · Amount on Record
Deed SaleJan 20, 2026 · Amount on Record
Prior SaleSep 24, 2024 · Amount on Record
Deed Document Number20267082
Deed Book / Page6668 / 29
Prior Transfer DateJun 17, 2000
Prior Transfer Doc0020740304
Record UpdatedOct 29, 2026

December 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address18015 BEACH ST, UMATILLA, FL 32784-8680
Transaction TypeMortgage
Record UpdatedFeb 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address4126 WILLOW BAY DR, WINTER GARDEN, FL 34787-5309

Mortgage

Document Number0064470850
DateDec 18, 2024
Book Page6447/850
Instrument2024147145
Lender
NameCAPITAL FUNDINGS LLC
AddressORLANDO, FL 32801
Agreement
TypeBalloon Mortgage
AmountAmount Recorded

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 20, 2026
Property Address18015 BEACH ST, UMATILLA, FL 32784-8680
Document Number0066680029
Book / Page6668 / 29
Map ReferenceMB 14 PG 25&25A
Instrument DateJan 16, 2026
Instrument2026007082
Transaction TypeTransfer
Record UpdatedFeb 3, 2026
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4126 WILLOW BAY DR, WINTER GARDEN, FL 34787-5309

Transferred To (Grantee/Buyer)

NameVerified Name
Address18015 BEACH ST, UMATILLA, FL 32784-8680

Mortgage

Document Number0000666831
DateJan 20, 2026
Instrument6668/31
Lender
NameML MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056

Mortgage

Document Number0066680046
DateJan 20, 2026
Book Page6668/46
Instrument2026007084
Lender
NameML MORTGAGE CORP
TypeMortgage Company
AddressRANCHO CUCAMONGA, CA 91730
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueFeb 1, 2036

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$246,576 (-) Land $68,750 Building $177,826$246,576 (-) Land $68,750 Building $177,826
2025$4,099.00 (+187.45%)$246,576 (+189.24%) Land $68,750 Building $177,826$246,576 (+2.42%) Land $68,750 Building $177,826
2024$1,426.00 (+19.03%)
2023$1,198.00 (+18.26%) Homeowner's exemption$85,250 (+3%)$240,747 (+24.65%) Land $68,750 Building $171,997
2022$1,013.00 Homeowner's exemption$82,770$193,134 Land $43,750 Building $149,384

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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 Record
median of 12 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies12 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

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

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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

ProviderMax 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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