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19 Cayman Cir, Umatilla, FL 32784 Property Records

Lake County property record for 19 Cayman Cir, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,188 sqft · built 1999
Lot Size0.137 acres (5,954 sqft)
Owner2 Individual Names on File
Last Sale$239,000 (Oct 2024)
Tax Bill$1,142 (2024)
Deeds & MortgagesJun 2021 Mortgage
Sep 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN14-18-26-0015-000-04000

Property Details

APN / Parcel Number

Primary APN14-18-26-0015-000-04000
Alternative APNs
  • 261814001500004000
  • 3551184

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,188 sqft Living Area
1st Floor Area1,060 sqft

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2023
Exterior MaterialConcrete Block
Construction TypeFrame
Roof MaterialAsphalt
Lot Area5,954 sqft (0.137 acres)
Lot Dimensions120 ft deep x 50 ft wide
Garage TypeCarport
Garage Area216 sqft
CarportCarport
Carport Area216 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFlorida Room
Porch Area128 sqft
Deck AreaDeck Area
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3551184
Street Address19 CAYMAN CIR
CityUMATILLA
StateFL
Zip32784-9080
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMHS
Legal DescriptionUMATILLA LAKE MARY ESTATES SUB LOT 40 PB 28 PG 74-76 ORB 6416 PG 586
Legal Range26E
Legal Township18S
Legal Section14
Legal SubdivisionUMATILLA LAKE MARY ESTATES SUB
Legal TractD
Legal Lot Number40
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1063
Census Tract30110

Owner

19 Cayman Cir is owned and occupied by two individuals who bought it in October 2024.

Source: Lake County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address19 CAYMAN CIR, UMATILLA, FL 32784-9080
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Jun 4, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Sep 20, 2018Warranty Deed, Transfer · FHA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Aug 14, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 18, 2024 · Amount on File
Deed SaleOct 18, 2024 · Amount on File
Prior SaleSep 20, 2018 · Amount on File
Deed Document Number2024121965
Deed Book / Page6416 / 586
Prior Transfer DateAug 14, 2018
Prior Transfer Doc0051541123
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address19 CAYMAN CIR, UMATILLA, FL 32784-9080
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 CAYMAN CIR, UMATILLA, FL 32784-9080

Mortgage

Document Number0057222082
DateJun 4, 2021
Book Page5722/2082
Instrument2021076760
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term328 Months
DueOct 1, 2048

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateSep 20, 2018
Property Address19 CAYMAN CIR, UMATILLA, FL 32784-9080
Document Number0051721965
Book / Page5172 / 1965
Map ReferenceMB 28 PG 74-76
Instrument DateSep 13, 2018
Instrument2018111051
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyAPPLE TITLE LTD

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$969.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4923 PARKVIEW DR, 4923, SAINT CLOUD, FL 34771-7805

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 CAYMAN CIR, UMATILLA, FL 32784-9080

Mortgage

Document Number2018111052
DateSep 20, 2018
Instrument2018111052
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2048

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateAug 14, 2018
Property Address19 CAYMAN CIR, UMATILLA, FL 32784-9080
Document Number0051541123
Book / Page005154 / 001123
Instrument DateAug 14, 2018
Instrument94679
Transaction TypeTransfer
Record UpdatedNov 21, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 CAYMAN CIR UMATILLA FL 327849080, UMATILLA, FL 32784-9080

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$192,062 (-) Land $48,400 Building $143,662$192,062 (-) Land $48,400 Building $143,662
2025$192,062 Land $48,400 Building $143,662$192,062 Land $48,400 Building $143,662
2024$1,142.00 (+5.06%)
2023$1,087.00 (+10.36%) Homeowner's exemption$86,080 (+2.99%)$124,011 (-) Land $27,500 Building $96,511
2022$985.00 Homeowner's exemption$83,580$124,011 Land $27,500 Building $96,511

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

FEMA maps place 19 Cayman Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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

Wildfire risk around 19 Cayman Cir is moderate, ranking above 56% 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 RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 80 locations within half a mile, as of December 31, 2025

ProviderMax 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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