Lake County property record for 28 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,362 sqft · built 1922 |
| Lot Size | 0.28 acres (12,211 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Jul 2015) |
| Tax Bill | $2,680 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-1700-000-00701 |
| Primary APN | 13-18-26-1700-000-00701 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,362 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Material | Shingle |
| Lot Area | 12,211 sqft (0.28 acres) |
| Lot Dimensions | 75 ft deep x 122 ft wide |
| Garage Type | Detached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 438 sqft |
| Porch | Open Porch |
| Porch Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 2906740 |
|---|---|
| Street Address | 28 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8984 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA DE VAULT'S SUB LOT 7 N 32 FT LOT 8--LESS BEG 74 FT W'LY OF NE COR OF LOT 7 RUN E'LY ALONG N LINE OF LOT 7 TO NE COR |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | DE VAULT'S |
| Legal Tract | 1700 |
| Legal Lot Number | 7-8 8 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 30109 |
28 Rose St is owned and occupied by an individual who bought it in July 2015.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 28, 2022 | Deed of Trust, Mortgage HOMETAP INVESTNMETS PARTNERS III SPV LLC |
| Feb 2, 2022 | Agreement of Sale, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2015 · Amount on File |
| Deed Sale | Jul 20, 2015 · Amount on File |
| Prior Sale | May 29, 2014 · Amount on File |
| Deed Document Number | 2015078618 |
| Deed Book / Page | 4654 / 0097 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Document Number | 0058620252 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 5862/252 |
| Instrument | 2021176397 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 284 Months |
| Due | Aug 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Document Number | 0058851319 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 5885/1319 |
| Instrument | 2022013170 |
| Name | HOMETAP INVESTNMETS PARTNERS III SPV LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BOSTON, MA 02199 |
| Amount | Amount on Record |
|---|
| Document Type | Agreement of Sale |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Feb 2, 2022 |
| Property Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Document Number | 0058880719 |
| Book / Page | 5888 / 719 |
| Map Reference | MB 2 PG 23 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022015016 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 ROSE ST, UMATILLA, FL 32784-8984 |
| Name | Verified Name |
|---|---|
| Address | 800 BOYLSTON ST # 16TH, BOSTON, MA 02199-1900 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $171,510 Land $60,000 Building $111,510 | $290,997 Land $60,000 Building $230,997 | |
| 2024 | $2,680.00 (+4.4%) | ||
| 2023 | $2,567.00 (+4.69%) Homeowner's exemption | $161,830 (+3%) | $220,440 (+13.31%) Land $43,200 Building $177,240 |
| 2022 | $2,452.00 Homeowner's exemption | $157,120 | $194,542 Land $18,720 Building $175,822 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Rose St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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 risk around 28 Rose St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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 138 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 |
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