Lake County property record for 37140 Oak Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,451 sqft · built 1980 |
| Lot Size | 0.212 acres (9,220 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $283,000 (Sep 2024) |
| Tax Bill | $3,474 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-18-26-0300-000-08300 |
| Primary APN | 25-18-26-0300-000-08300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,451 sqft Living Area |
| 1st Floor Area | 1,451 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,220 sqft (0.212 acres) |
| Lot Dimensions | 109 ft deep x 82 ft wide |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 252 sqft |
| Patio Area | 150 sqft |
| Utility Building | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1691273 |
|---|---|
| Street Address | 37140 OAK LN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | THREE LAKES SUB SECOND ADD LOT 83 1/49TH INT IN LOT 70-A 1/42 INT IN LOT 102-A PB 14 PG 24 ORB 6398 PG 156 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 25 |
| Legal Subdivision | THREE LAKES SUB SECOND ADD |
| Legal Tract | 0300 |
| Legal Lot Number | 83 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3097 |
| Census Tract | 30110 |
Source: Lake County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 37140 OAK LN, UMATILLA, FL 32784-9277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU |
| Dec 21, 2018 | Warranty Deed, Transfer · Conventional with PMI FAIRWINDS CU |
| May 23, 2018 | Warranty Deed, Transfer SOUTHEAST PROF TITLE L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on Record |
| Deed Sale | Sep 12, 2024 · Amount on Record |
| Prior Sale | Dec 21, 2018 · Amount on Record |
| Deed Document Number | 2024107967 |
| Deed Book / Page | 6398 / 156 |
| Prior Transfer Date | Nov 16, 2013 |
| Prior Transfer Doc | 0044171509 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37140 OAK LN, UMATILLA, FL 32784-9277 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 37140 OAK LN, UMATILLA, FL 32784-9277 |
| Document Number | 0057811005 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 5781/1005 |
| Instrument | 2021118126 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 21, 2018 |
| Property Address | 37140 OAK LN, UMATILLA, FL 32784-9277 |
| Document Number | 0052141652 |
| Book / Page | 005214 / 001652 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 147179 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | SOUTHEAST PROF TITLE L |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37140 OAK LN UMATILLA FL 327849277, UMATILLA, FL 32784-9277 |
| Document Number | 52141654 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 005214/001654 |
| Instrument | 147180 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | May 23, 2018 |
| Property Address | 37140 OAK LN, UMATILLA, FL 32784-9277 |
| Document Number | 0051141508 |
| Book / Page | 005114 / 001508 |
| Instrument Date | May 21, 2018 |
| Instrument | 60476 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | SOUTHEAST PROF TITLE L |
| Amount | Amount Recorded |
|---|---|
| Tax | $717.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1744 SW BOATSWAIN PL PALM CITY FL 349904210, PALM CITY, FL 34990-4210 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $239,181 (-) Land $62,500 Building $176,681 | $239,181 (-) Land $62,500 Building $176,681 | |
| 2025 | $3,474.00 (+66.78%) | $239,181 (+80.86%) Land $62,500 Building $176,681 | $239,181 (+45.69%) Land $62,500 Building $176,681 |
| 2024 | $2,083.00 (+13.89%) | ||
| 2023 | $1,829.00 (+11.19%) Homeowner's exemption | $132,250 (+3%) | $164,168 (-) Land $26,050 Building $138,118 |
| 2022 | $1,645.00 Homeowner's exemption | $128,400 | $164,168 Land $26,050 Building $138,118 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 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 | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | EUSTIS, CITY OF (4 WTPS) serves 39,721 people · EPA ID FL3350346 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 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 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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