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366 Lake St, Umatilla, FL 32784 Property Records

Lake County property record for 366 Lake St, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,565 sqft · built 2018
Lot Size0.276 acres (12,045 sqft)
OwnerIndividual Name on File
Last Sale$340,000 (Feb 2024)
Tax Bill$4,137 (2024)
Deeds & MortgagesDec 2025 Mortgage
Feb 2024 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN12-18-26-0011-000-00600

Property Details

APN / Parcel Number

Primary APN12-18-26-0011-000-00600
Alternative APN
  • 3911725

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,565 sqft Living Area

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2024
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area12,045 sqft (0.276 acres)
Garage TypeFinished
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3911725
Street Address366 LAKE ST
CityUMATILLA
StateFL
Zip32784-8462
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVISTA OAKS PB 70 PG 31-32 LOT 6 ORB 6283 PG 535
Legal SubdivisionVISTA OAKS
Legal Lot Number6
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1002
Census Tract30110

Owner

366 Lake St is owned and occupied by an individual who bought it in February 2024.

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

Owner of RecordIndividual Name on File
Mailing Address366 LAKE ST, UMATILLA, FL 32784-8462
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Feb 12, 2024Warranty Deed, Transfer · FHA Mortgage
ALKAN MORTGAGE CORP
Jan 5, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 17, 2022Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 12, 2024 · Amount on File
Deed SaleFeb 12, 2024 · Amount on File
Prior SaleOct 11, 2019 · Amount on File
Deed Document Number2024016085
Deed Book / Page6283 / 535
Record UpdatedJun 8, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address366 LAKE ST, UMATILLA, FL 32784-8462
Transaction TypeMortgage
Record UpdatedJan 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address366 LAKE ST, UMATILLA, FL 32784-8462

Mortgage

Document Number0066550847
DateDec 29, 2025
Book Page6655/847
Instrument2025157413
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term343 Months
DueJul 1, 2054

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateFeb 12, 2024
Property Address366 LAKE ST, UMATILLA, FL 32784-8462
Document Number0062830535
Book / Page6283 / 535
Map ReferenceMB 70 PG 31
Instrument DateFeb 8, 2024
Instrument2024016085
Transaction TypeTransfer
Record UpdatedFeb 26, 2024
Title CompanyORLANDO TITLE SERVICES LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16588 GREAT LAWN WAY # WAY12-207, WAY12-207, CLERMONT, FL 34711-1106

Transferred To (Grantee/Buyer)

NameVerified Name
Address366 LAKE ST, UMATILLA, FL 32784-8462

Mortgage

Document Number0006283537
DateFeb 12, 2024
Instrument6283/537
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address366 LAKE ST, UMATILLA, FL 32784-8462
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address366 LAKE ST, UMATILLA, FL 32784-8462

Mortgage

Document Number0058691788
DateJan 5, 2022
Book Page5869/1788
Instrument2022001374
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2052

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address366 LAKE ST, UMATILLA, FL 32784-8462
Transaction TypeMortgage
Record UpdatedMay 18, 2023
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address366 LAKE ST, UMATILLA, FL 32784-8462

Mortgage

Document Number0060091218
DateAug 17, 2022
Book Page6009/1218
Instrument2022111465
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueAug 15, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$287,851 Land $99,200 Building $188,651$287,851 Land $99,200 Building $188,651
2024$4,137.00 (+4.23%)
2023$3,969.00 (+3.28%) Homeowner's exemption Additional exemption filed$233,620 (+3%)$256,577 (+13.12%) Land $73,780 Building $182,797
2022$3,843.00 Homeowner's exemption Additional exemption filed$226,817$226,817 Land $44,020 Building $182,797

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

Flood

FEMA maps place 366 Lake St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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

Wildfire risk around 366 Lake St is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within 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 SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 159 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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