Lake County property record for 22 Cayman Cir, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,060 sqft · built 1997 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $251,000 (Jan 2026) |
| Tax Bill | $2,903 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-18-26-0015-000-06000 |
| Primary APN | 14-18-26-0015-000-06000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,060 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3551249 |
|---|---|
| Street Address | 22 CAYMAN CIR |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA LAKE MARY ESTATES SUB LOT 60 PB 28 PG 74-76 ORB 6109 PG 1937 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | LAKE MARY ESTATES |
| Legal Tract | 15 |
| Legal Lot Number | 60 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 30110 |
22 Cayman Cir is owned and occupied by an individual who bought it in January 2026.
Source: Lake County records, as of January 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FINANCIAL GROUP INC |
| Nov 30, 2022 | Warranty Deed, Transfer APPLE TITLE LIMITED, APPLE TITLE LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2026 · Amount on File |
| Deed Sale | Jan 13, 2026 · Amount on File |
| Prior Sale | Mar 17, 2023 · Amount on File |
| Deed Document Number | 2026005038 |
| Deed Book / Page | 6665 / 1289 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jan 13, 2026 |
| Property Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Document Number | 0066651289 |
| Book / Page | 6665 / 1289 |
| Map Reference | MB 28 PG 74-76 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2026005038 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,757.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 OSCEOLA BLVD, UMATILLA, FL 32784-9052 |
| Name | Verified Name |
|---|---|
| Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Document Number | 0066651290 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 6665/1290 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Mar 17, 2023 |
| Property Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Document Number | 0061091937 |
| Book / Page | 6109 / 1937 |
| Map Reference | MB 28 PG 74-76 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 2023030955 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Name | Verified Name |
|---|---|
| Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Document Number | 0061091939 |
|---|---|
| Date | Mar 17, 2023 |
| Instrument | 6109/1939 |
| Name | MORTGAGE FINANCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Nov 30, 2022 |
| Property Address | 22 CAYMAN CIR, UMATILLA, FL 32784-9079 |
| Document Number | 0060582255 |
| Book / Page | 6058 / 2255 |
| Map Reference | MB 28 PG 74-76 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 2022153728 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Tax | $805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38404 JAMESTOWN ST, UMATILLA, FL 32784-9510 |
| Name | Verified Name |
|---|---|
| Address | 285 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
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 | $178,776 Land $44,000 Building $134,776 | $178,776 Land $44,000 Building $134,776 | |
| 2024 | $2,903.00 (+16.87%) | ||
| 2023 | $2,484.00 (+26%) Homeowner's exemption | $115,541 (+109.12%) | $115,541 (+3.66%) Land $25,000 Building $90,541 |
| 2022 | $690.00 Homeowner's exemption | $55,250 | $111,465 Land $25,000 Building $86,465 |
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 22 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 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 risk around 22 Cayman Cir 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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