Lake County property record for 188 Roberts St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,648 sqft · built 2022 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Company Name on File |
| Last Sale | $310,000 (Feb 2023) |
| Tax Bill | $7,312 (2024) |
| Deeds & Mortgages | Feb 2023 Sale & Line of Credit Feb 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-18-26-0004-000-12600 |
| Primary APN | 14-18-26-0004-000-12600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,648 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3861792 |
|---|---|
| Street Address | 188 ROBERTS ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 OF THE FOLLOWING DESCRIBED PARCEL: BEG AT SW COR OF LOT 5 BLK D OF VAUGHN'S ADD TO UMATILLA RUN N 227.40 FT W 170 FT S |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | VAUGHN |
| Legal Tract | 4 |
| Legal Block | D |
| Legal Lot Number | 5 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 30110 |
188 Roberts St is owned by a company that bought it in February 2023.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 914, EUSTIS, FL 32727-0914 |
| Owner Type | Company |
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 |
|---|---|
| Feb 23, 2023 | Warranty Deed, Transfer · Line of Credit UNITED SOUTHERN BANK |
| Feb 28, 2022 | Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Jul 6, 2021 | Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on File |
| Deed Sale | Feb 23, 2023 · Amount on File |
| Prior Sale | Feb 28, 2022 · Amount on File |
| Deed Document Number | 2023020321 |
| Deed Book / Page | 6096 / 1563 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Feb 23, 2023 |
| Property Address | 188 ROBERTS ST, UMATILLA, FL 32784-8457 |
| Document Number | 0060961563 |
| Book / Page | 6096 / 1563 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 2023020321 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2237 KETTLE DR, ORLANDO, FL 32835-8131 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 914, EUSTIS, FL 32727-0914 |
| Document Number | 0060961565 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 6096/1565 |
| Instrument | 2023020322 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 15, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Feb 28, 2022 |
| Property Address | 188 ROBERTS ST, UMATILLA, FL 32784-8457 |
| Document Number | 0059042131 |
| Book / Page | 5904 / 2131 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022027519 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 N EUSTIS ST STE 101, 101, EUSTIS, FL 32726-3400 |
| Name | Verified Name |
|---|---|
| Address | 2237 KETTLE DR, ORLANDO, FL 32835-8131 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 6, 2021 |
| Property Address | 188 ROBERTS ST, UMATILLA, FL 32784-8457 |
| Document Number | 0057431589 |
| Book / Page | 5743 / 1589 |
| Map Reference | MB 2 PG 27 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 2021091656 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1623 PATTON AVE, APOPKA, FL 32703-7713 |
| Name | Verified Name |
|---|---|
| Address | 128 N EUSTIS ST STE 101, 101, EUSTIS, FL 32726-3400 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $265,043 Land $70,000 Building $195,043 | $265,043 Land $70,000 Building $195,043 | |
| 2024 | $7,312.00 (+25.12%) | ||
| 2023 | $5,844.00 (+642.57%) | $287,612 (+628.5%) | $287,612 (+628.5%) Land $98,700 Building $188,912 |
| 2022 | $787.00 | $39,480 | $39,480 Land $39,480 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 188 Roberts St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 | 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 risk around 188 Roberts St is moderate, ranking above 44% of the US, with a 0.1% annual chance of 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.
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 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 |
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