245 Grove St, Umatilla, FL 32784 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,272 sqft · built 1986
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2024)
Tax Bill	$2,397 (2024)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-1800-004-00200`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-1800-004-00200`
Alternative APNs	`261813180000400200` `2782439`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	50 ft deep x 110 ft wide
Porch	Screened/Unfinished Porch
Porch Area	281 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2782439
Street Address	245 GROVE ST
City	UMATILLA
State	FL
Zip	32784-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	UMATILLA GROVE PARK LOT 2 BLK 4 PB 8 PG 77 ORB 6443 PG 657
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	UMATILLA GROVE PARK
Legal Tract	1800
Legal Block	4
Legal Lot Number	2
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1017
Census Tract	30109

Owner

245 Grove St is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	245 GROVE ST, UMATILLA, FL 32784-9539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2024 · Amount on File
Deed Sale	Dec 10, 2024 · Amount on File
Prior Sale	Aug 16, 2007 · Amount on File
Deed Document Number	2024143559
Deed Book / Page	6443 / 657
Prior Transfer Date	Aug 10, 2007
Prior Transfer Doc	0034910786
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	245 GROVE ST, UMATILLA, FL 32784-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049411026
Date	May 8, 2017
Book Page	4941/1026
Instrument	2017049923

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,100 (+2.9%)	$181,058 (-) Land $50,000 Building $131,058
2025		$115,748 Land $50,000 Building $65,748	$181,058 Land $50,000 Building $131,058
2024	$2,397.00 (+16.64%)
2023	$2,055.00 (+17.97%)	$119,353 (+31.46%)	$119,353 (+31.46%) Land $50,400 Building $68,953
2022	$1,742.00	$90,793	$90,793 Land $21,840 Building $68,953

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 245 Grove St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 245 Grove St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 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