245 E Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 245 E Lake St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 870 sqft · built 1930
Lot Size	0.349 acres (15,224 sqft)
Owner	2 Individual Names on File
Last Sale	$24,500 (Apr 2015)
Tax Bill	$2,334 (2024)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-0001-000-00502`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-0001-000-00502`
Alternative APN	`1406765`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	870 sqft Living Area
1st Floor Area	870 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2010
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	15,224 sqft (0.349 acres)
Lot Dimensions	173 ft deep x 88 ft wide
Porch	Porch
Porch Area	216 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1406765
Street Address	245 E LAKE ST
City	UMATILLA
State	FL
Zip	32784-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM NE COR OF SEC RUN S ALONG SEC LINE 242.8 FT N 89-27-0 W 660 FT S ALONG CENTER LINE OF OAK AVE 991.6 FT S 89-50-0 W ALONG
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	ACREAGE & UNREC
Legal Tract	1
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1019
Census Tract	30109

Owner

Source: Lake County records · APN 13-18-26-0001-000-00502

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	16106 3RD ST, UMATILLA, FL 32784-9101
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2015 · Amount on Record
Deed Sale	Apr 23, 2015 · Amount on Record
Prior Sale	Oct 23, 2007 · Amount on Record
Deed Document Number	2015043883
Deed Book / Page	4616 / 0394
Record Updated	Jun 08, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	245 E LAKE ST, UMATILLA, FL 32784-9556
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053550548
Date	Oct 09, 2019
Book Page	5355/0548
Instrument	2019113987

Lender

Name	UNITED SOUTHERN BANK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	174 Months
Due	Apr 05, 2034

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$166,012 (+24.62%) Land $79,635 Building $86,377	$166,012 (+24.62%) Land $79,635 Building $86,377
2024	$2,334.00 (+6.28%)
2023	$2,196.00 (+6.65%)	$133,217 (-)	$133,217 (-) Land $79,635 Building $53,582
2022	$2,059.00	$133,217	$133,217 Land $79,635 Building $53,582

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 161 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	UMATILLA WATER WORKS (2 WPS) serves 3,948 people
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.