22408 Will Murphy Rd, Umatilla, FL 32784 Property Records

Lake County property record for 22408 Will Murphy Rd, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,293 sqft · built 1995
Lot Size	4.94 acres (215,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (May 2024)
Tax Bill	$3,298 (2024)
Deeds & Mortgages	May 2024 Sale Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-18-27-0003-000-03900`

Property Details

APN / Parcel Number

Primary APN	`11-18-27-0003-000-03900`
Alternative APNs	`271811000300003900` `3338367`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,293 sqft Living Area
Gross Area	1,845 sqft
1st Floor Area	1,293 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	215,541 sqft (4.94 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3338367
Street Address	22408 WILL MURPHY RD
City	UMATILLA
State	FL
Zip	32784-7940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	W 1/2 OF E 1/2 OF N 1/2 OF SE 1/4 OF SW 1/4 ORB 6326 PG 2105
Legal Range	27E
Legal Township	18S
Legal Section	11
Legal Quarter	3
Legal Tract	0003
Legal Lot Number	39
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1053
Census Tract	30111

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	495 GUERRANT ST, UMATILLA, FL 32784-9300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Warranty Deed, Transfer APPLE TITLE LIMITED, APPLE TITLE LTD
Jul 3, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	202451829
Deed Book / Page	6326 / 2105
Prior Transfer Date	Jun 9, 2005
Prior Transfer Doc	0028581567
Record Updated	Jun 8, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 2, 2024
Property Address	22408 WILL MURPHY RD, UMATILLA, FL 32784-7940
Document Number	0063262105
Book / Page	6326 / 2105
Instrument Date	Apr 26, 2024
Instrument	2024051829
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	APPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 781145, ORLANDO, FL 32878-1145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 GUERRANT ST, UMATILLA, FL 32784-9300

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 3, 2019
Property Address	22408 WILL MURPHY RD, UMATILLA, FL 32784-7940
Document Number	0053041300
Book / Page	005304 / 001300
Instrument Date	Jun 24, 2019
Instrument	74604
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	STERLING TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22408 WILL MURPHY RD UMATILLA FL 327847940, UMATILLA, FL 32784-7940

Mortgage

Document Number	53041303
Date	Jul 3, 2019
Book Page	005304/001303
Instrument	74605

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$312,330 (+2.9%)	$380,228 (-0.27%) Land $162,500 Building $217,728
2025		$303,532 (+80.75%) Land $162,500 Building $141,032	$381,252 (+32.96%) Land $162,500 Building $218,752
2024	$3,298.00 (+42.89%)
2023	$2,308.00 (+8.61%) Homeowner's exemption	$167,930 (+3%)	$286,749 (+18.61%) Land $125,000 Building $161,749
2022	$2,125.00 Homeowner's exemption	$163,040	$241,749 Land $80,000 Building $161,749

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 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 65% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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