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295 E Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 295 E Lake St, Umatilla, FL 32784 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,234 sqft · built 1913
Lot Size0.231 acres (10,076 sqft)
OwnerIndividual Name on File
Last Sale$290,000 (Apr 2024)
Tax Bill$2,667 (2024)
Deeds & MortgagesApr 2024 Sale & Mortgage
Sep 2020 Construction Loan
+ 3 more
Flood ZoneZone X (minimal risk)
APN13-18-26-0450-000-00300

Property Details

APN / Parcel Number

Primary APN13-18-26-0450-000-00300
Alternative APNs
  • 261813045000000300
  • 2695617

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,234 sqft Living Area
1st Floor Area1,234 sqft

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 2011
Exterior MaterialWood
Construction TypeFrame
Roof TypeSawtooth
Roof MaterialMetal
Lot Area10,076 sqft (0.231 acres)
Lot Dimensions109 ft deep x 92 ft wide
PorchFinished/Open Porch
Porch Area298 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number2695617
Street Address295 E LAKE ST
CityUMATILLA
StateFL
Zip32784-9556
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUMATILLA KRISTIN TERRACE SUB LOT 3 PB 26 PG 52 ORB 6320 PG 1565
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionUMATILLA KRISTIN TERRACE SUB
Legal Tract0450
Legal Lot Number3
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1019
Census Tract30109

Owner

Source: Lake County records · APN 13-18-26-0450-000-00300

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address295 E LAKE ST, UMATILLA, FL 32784-9556
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2024Warranty Deed, Transfer · FHA Mortgage
CMG MORTGAGE INC
Sep 15, 2020Deed of Trust, Mortgage · Construction Mortgage
THE FIRST NATIONAL BANK OF MOUNT DORA
Mar 30, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 15, 2020Grant Deed, Transfer
BUYERS TITLE
Feb 03, 2020Court-Ordered Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 23, 2024 · Amount on Record
Deed SaleApr 23, 2024 · Amount on Record
Prior SaleJul 15, 2020 · Amount on Record
Deed Document Number202446923
Deed Book / Page6320 / 1565
Prior Transfer DateMar 16, 2022
Prior Transfer Doc0059261655
Record UpdatedJun 08, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateApr 23, 2024
Property Address295 E LAKE ST, UMATILLA, FL 32784-9556
Document Number0063201565
Book / Page6320 / 1565
Map ReferenceMB 26 PG 52
Instrument DateApr 18, 2024
Instrument2024046923
Transaction TypeTransfer
Record UpdatedMay 09, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24553 SE HIGHWAY 450, UMATILLA, FL 32784-9190

Transferred To (Grantee/Buyer)

NameVerified Name
Address295 E LAKE ST, UMATILLA, FL 32784-9556

Mortgage

Document Number0063201567
DateApr 23, 2024
Instrument6320/1567
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2054

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address295 E LAKE ST, UMATILLA, FL 32784-9556
Transaction TypeMortgage
Record UpdatedJul 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5151 ROUND LAKE RD, APOPKA, FL 32712-4765

Mortgage

Document Number0055422160
DateSep 15, 2020
Book Page5542/2160
Instrument2020101586
Lender
NameTHE FIRST NATIONAL BANK OF MOUNT DORA
TypeBank
AddressMOUNT DORA, FL 32756
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term251 Months
DueAug 27, 2041
Interest
Rate TypeAdjustable Rate

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateMar 30, 2022
Property Address295 E LAKE ST, UMATILLA, FL 32784-9556
Document Number0059261655
Book / Page5926 / 1655
Map ReferenceMB 26 PG 52
Instrument DateMar 16, 2022
Instrument2022043883
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address295 E LAKE ST, UMATILLA, FL 32784-9556

Mortgage

Document Number0059261657
DateMar 30, 2022
Instrument5926/1657
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2037

July 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLAKE FL
Recording DateJul 15, 2020
Property Address295 E LAKE ST, UMATILLA, FL 32784-9556
Document Number0055040079
Book / Page005504 / 000079
Instrument DateJul 09, 2020
Instrument75205
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyBUYERS TITLE

Transaction

AmountAmount Recorded
Tax$392.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address295 E LAKE ST UMATILLA FL 327849556, UMATILLA, FL 32784-9556

February 2020: Court-Ordered Deed, Foreclosure

Document TypeCourt-Ordered Deed
JurisdictionLAKE FL
Recording DateFeb 03, 2020
Property Address295 E LAKE ST, UMATILLA, FL 32784-9556
Document Number0054152351
Book / Page005415 / 002351
Instrument DateJan 21, 2020
Instrument13882
Transaction TypeForeclosure
Record UpdatedMar 03, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake 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.

YearTax BillAssessed ValueAssessed Market Value
2026$209,373 (-) Land $67,500 Building $141,873$209,373 (-) Land $67,500 Building $141,873
2025$209,373 (+29.88%) Land $67,500 Building $141,873$209,373 (+5.69%) Land $67,500 Building $141,873
2024$2,667.00 (+4.42%)
2023$2,554.00 (+3.82%) Homeowner's exemption$161,208 (+0.07%)$198,108 (+22.98%) Land $64,800 Building $133,308
2022$2,460.00$161,089$161,089 Land $28,080 Building $133,009

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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