275 E Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 275 E Lake St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,380 sqft · built 1984
Lot Size	0.251 acres (10,947 sqft)
Owner	Individual Name on Record
Tax Bill	$856 (2024)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-0450-000-00100`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-0450-000-00100`
Alternative APN	`2695595`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	10,947 sqft (0.251 acres)
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	2695595
Street Address	275 E LAKE ST
City	UMATILLA
State	FL
Zip	32784-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UMATILLA KRISTIN TERRACE SUB LOT 1 PB 26 PG 52 ORB 800 PG 482 ORB 804 PG 518 ORB 2037 PG 0031
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	KRISTIN TERRACE
Legal Tract	450
Legal Lot Number	1
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1019
Census Tract	30109

Owner

Source: Lake County records, as of December 15, 2025

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	275 E LAKE ST, UMATILLA, FL 32784-9556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2001
Deed Sale	Dec 5, 2001
Deed Document Number	0000203731
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	275 E LAKE ST, UMATILLA, FL 32784-9556
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 E LAKE ST, DONA VISTA, FL 32784-9556

Mortgage

Document Number	0060140201
Date	Aug 24, 2022
Book Page	6014/201
Instrument	2022115374

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2042

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$74,310 (+5.98%) Land $67,500 Building $6,810	$213,290 (+47.44%) Land $67,500 Building $145,790
2024	$856.00 (+1.78%)
2023	$841.00 (+9.22%) Homeowner's exemption	$70,120 (+3%)	$144,660 (+34.02%) Land $64,800 Building $79,860
2022	$770.00 Homeowner's exemption	$68,080	$107,940 Land $28,080 Building $79,860

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

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
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

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

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 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