Lake County property record for 346 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,234 sqft · built 2022 |
| Lot Size | 2.21 acres (96,676 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $234,200 (Jun 2023) |
| Tax Bill | $6,914 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2023 Sale & Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0004-000-06503 |
| Primary APN | 13-18-26-0004-000-06503 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 2,806 sqft |
| 1st Floor Area | 2,234 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 96,676 sqft (2.21 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 2616288 |
|---|---|
| Street Address | 346 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R18 |
| Legal Description | FROM THE EAST 1/4 CORNER OF SECTION 13 TOWNSHIP 18 SOUTH RANGE 26 EAST RUN SOUTH 89-23-30 WEST ALONG THE SOUTH RIGHT OF WAY LINE OF ROSE STREET 193.70 FEET TO THE WEST LINE OF ORANGE COURT SUBDIVISION PB 9 PG 42 CONTINUE SOUTH 89-23-30 WEST ALONG THE |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Quarter | 4 |
| Legal Subdivision | ORANGE COURT SUBDIVISION |
| Legal Tract | 0004 |
| Legal Block | B |
| Legal Lot Number | 65 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 30109 |
Source: Lake County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 346 ROSE ST, UMATILLA, FL 32784-8636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 12, 2023 | Quit Claim Deed, Transfer · Line of Credit THE FIRST NATIONAL BANK OF MOUNT DO |
| Dec 18, 2020 | Quit Claim Deed, Transfer · Construction Mortgage THE FIRST NATIONAL BANK OF MOUNT DO |
| Sep 22, 2020 | Warranty Deed, Transfer · Line of Credit THE FIRST NATIONAL BANK OF MOUNT DO |
| Jul 10, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2023 · Amount on Record |
| Deed Sale | Jun 12, 2023 · Amount on Record |
| Prior Sale | Dec 18, 2020 · Amount on Record |
| Deed Document Number | 202369690 |
| Deed Book / Page | 6158 / 480 |
| Prior Transfer Date | Jun 2, 2023 |
| Prior Transfer Doc | 0061580480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 346 ROSE ST, UMATILLA, FL 32784-8636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0059570697 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 5957/697 |
| Instrument | 2022068069 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 12, 2023 |
| Property Address | 346 ROSE ST, UMATILLA, FL 32784-8636 |
| Document Number | 0061580480 |
| Book / Page | 6158 / 480 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2023069690 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,639.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2074, UMATILLA, FL 32784-2074 |
| Name | Verified Name |
|---|---|
| Address | 346 ROSE ST, UMATILLA, FL 32784-8636 |
| Document Number | 0006158483 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 6158/483 |
| Name | THE FIRST NATIONAL BANK OF MOUNT DO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 145 Months |
| Due | Jul 1, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 18, 2020 |
| Property Address | PALM COURT DR, UMATILLA, FL 32784 |
| Document Number | 0056041354 |
| Book / Page | 5604 / 1354 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 2020143165 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40507 W 8TH AVE, UMATILLA, FL 32784-8867 |
| Document Number | 0056041357 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 5604/1357 |
| Name | THE FIRST NATIONAL BANK OF MOUNT DO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 22, 2020 |
| Property Address | PALM COURT DR, UMATILLA, FL 32784 |
| Document Number | 0055472024 |
| Book / Page | 5547 / 2024 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2020104831 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $826.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 361, TANGERINE, FL 32777-0361 |
| Name | Verified Name |
|---|---|
| Address | 2508 PLUMADORE DR, GRAND ISLAND, FL 32735-9011 |
| Document Number | 0055472027 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 5547/2027 |
| Name | THE FIRST NATIONAL BANK OF MOUNT DO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Oct 1, 2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 10, 2018 |
| Property Address | PALM COURT DR, UMATILLA, FL 32784 |
| Document Number | 0051360792 |
| Book / Page | 005136 / 000792 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 78847 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 361 TANGERINE FL 327770361, TANGERINE, FL 32777-0361 |
Source: Lake County assessment roll, as of November 26, 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 |
|---|---|---|---|
| 2026 | $401,443 (+2.58%) | $521,606 (-0.3%) Land $152,800 Building $368,806 | |
| 2025 | $391,344 (+5.29%) Land $152,800 Building $238,544 | $523,199 (+22.6%) Land $152,800 Building $370,399 | |
| 2024 | $6,914.00 (+3.74%) | ||
| 2023 | $6,665.00 (+288.63%) Homeowner's exemption Additional exemption filed | $371,697 (+332.46%) | $426,737 (+396.49%) Land $89,770 Building $336,967 |
| 2022 | $1,715.00 | $85,950 | $85,950 Land $85,950 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 168 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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