21836 Freeman Dr, Umatilla, FL 32784 Property Records

Lake County property record for 21836 Freeman Dr, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,233 sqft · built 1990
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Oct 2019)
Tax Bill	$5,257 (2024)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-18-27-0100-000-02000`

Property Details

APN / Parcel Number

Primary APN	`10-18-27-0100-000-02000`
Alternative APN	`1454620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,233 sqft Living Area
1st Floor Area	2,233 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	6,912 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Porch
Porch Area	728 sqft
Utility Building	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1454620
Street Address	21836 FREEMAN DR
City	UMATILLA
State	FL
Zip	32784-8324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEE ACRES LOT 20 PB 21 PG 56 ORB 5353 PG 1765
Legal Range	27E
Legal Township	18S
Legal Section	10
Legal Subdivision	LEE ACRES
Legal Tract	100
Legal Lot Number	20
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2000
Census Tract	30109

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	21836 FREEMAN DR, UMATILLA, FL 32784-8324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 7, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Prior Sale	Apr 1, 2002 · Amount on Record
Deed Document Number	2019112939
Deed Book / Page	5353 / 1765
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324

Mortgage

Document Number	0060021763
Date	Aug 3, 2022
Book Page	6002/1763
Instrument	2022105318

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	A & B TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324

Mortgage

Document Number	0055990463
Date	Dec 10, 2020
Book Page	5599/463
Instrument	2020139629

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 7, 2019
Property Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324
Document Number	0053531765
Book / Page	5353 / 1765
Map Reference	MB 21 PG 56
Instrument Date	Oct 4, 2019
Instrument	2019112939
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 E 7TH AVE, 525, MOUNT DORA, FL 32757-4905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21836 FREEMAN DR, UMATILLA, FL 32784-8324

Mortgage

Document Number	0053531767
Date	Oct 7, 2019
Instrument	5353/1767

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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		$379,090 (+5.99%) Land $227,500 Building $151,590	$573,644 (+20.08%) Land $227,500 Building $346,144
2024	$5,257.00 (+7.75%)
2023	$4,879.00 (+7.8%) Homeowner's exemption	$357,680 (+6.82%)	$477,705 (+14.57%) Land $125,000 Building $352,705
2022	$4,526.00 Homeowner's exemption	$334,840	$416,944 Land $80,000 Building $336,944

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 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 Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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