32 Rose St, Umatilla, FL 32784 Property Records

Lake County property record for 32 Rose St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1980
Lot Size	0.201 acres (8,798 sqft)
Owner	Individual Name on Record
Last Sale	$143,000 (Oct 2007)
Tax Bill	$871 (2024)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-1700-000-00700`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-1700-000-00700`
Alternative APN	`1499551`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,798 sqft (0.201 acres)
Lot Dimensions	122 ft deep x 75 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Patio Area	90 sqft
Utility Building	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1499551
Street Address	32 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 BEG 74 FT W'LY OF NE COR OF LOT 7 RUN E'LY ALONG N LINE OF LOT 7 TO NE COR OF SAID LOT S'LY ALONG E
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

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	32 ROSE ST, UMATILLA, FL 32784-8984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2007 · Amount on Record
Deed Sale	Oct 1, 2007 · Amount on Record
Prior Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	2007130912
Deed Book / Page	3516 / 1717
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	32 ROSE ST, UMATILLA, FL 32784-8984
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ROSE ST, UMATILLA, FL 32784-8984

Mortgage

Document Number	0057500240
Date	Jul 14, 2021
Book Page	5750/240
Instrument	2021096063

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Apr 1, 2041

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		$76,850 (+5.97%) Land $45,000 Building $31,850	$169,652 (+35.83%) Land $45,000 Building $124,652
2024	$871.00 (+1.87%)
2023	$855.00 (+8.92%) Homeowner's exemption	$72,520 (+3%)	$124,897 (+17.23%) Land $32,400 Building $92,497
2022	$785.00 Homeowner's exemption	$70,410	$106,537 Land $14,040 Building $92,497

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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

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.

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 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