Lake County property record for 23 Cayman Cir, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,269 sqft · built 1997 |
| Lot Size | 0.137 acres (5,945 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (May 2026) |
| Tax Bill | $2,949 (2024) |
| Deeds & Mortgages | Jan 2025 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-18-26-0015-000-03800 |
| Primary APN | 14-18-26-0015-000-03800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| Gross Area | 1,381 sqft |
| 1st Floor Area | 1,269 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 5,945 sqft (0.137 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed/Finished Porch |
| Porch Area | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3551168 |
|---|---|
| Street Address | 23 CAYMAN CIR |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA LAKE MARY ESTATES SUB LOT 38 PB 28 PG 74-76 ORB 5849 PG 2125 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | UMATILLA LAKE MARY ESTATES SUB |
| Legal Tract | D |
| Legal Lot Number | 38 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 30110 |
Source: Lake County records, as of May 18, 2026
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 |
|---|---|
| Mailing Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage SERVIS ONE INC |
| May 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Dec 3, 2021 | Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Dec 3, 2021 · Amount on Record |
| Deed Document Number | 202653444 |
| Deed Book / Page | 6730 / 1503 |
| Prior Transfer Date | Aug 4, 2004 |
| Prior Transfer Doc | 0026350174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SLN LLC |
| Name | Verified Name |
|---|---|
| Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Document Number | 0064621530 |
|---|---|
| Date | Jan 17, 2025 |
| Book Page | 6462/1530 |
| Instrument | 2025006744 |
| Name | SERVIS ONE INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | May 1, 2026 |
| Property Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Document Number | 0000053444 |
| Book / Page | 6730 / 1503 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.53444 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Document Number | 0000053445, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 6730/1505 |
| Instrument | 2026.53445 |
| Name | MORTGAGE FIRM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 3, 2021 |
| Property Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Document Number | 0058492125 |
| Book / Page | 5849 / 2125 |
| Map Reference | MB 28 PG 74-76 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021167431 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,431.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4923 PARKVIEW DR, SAINT CLOUD, FL 34771-7805 |
| Name | Verified Name |
|---|---|
| Address | 23 CAYMAN CIR, UMATILLA, FL 32784-9081 |
| Document Number | 0058492126 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 5849/2126 |
| Name | DIAMOND RESIDENTIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
Source: Lake County assessment roll, as of November 26, 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 |
|---|---|---|---|
| 2026 | $190,970 (+2.9%) | $201,348 (-) Land $48,400 Building $152,948 | |
| 2025 | $185,590 (+5.98%) Land $48,400 Building $137,190 | $201,348 (+14.98%) Land $48,400 Building $152,948 | |
| 2024 | $2,949.00 (+4.35%) | ||
| 2023 | $2,826.00 (+2.02%) Homeowner's exemption | $175,112 (+1.2%) | $175,112 (+1.2%) Land $27,500 Building $147,612 |
| 2022 | $2,770.00 Homeowner's exemption | $173,032 | $173,032 Land $27,500 Building $145,532 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% 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 80 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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