Lake County property record for 37315 Beach Dr, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,272 sqft · built 1984 |
| Lot Size | 0.332 acres (14,453 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Sep 1994) |
| Tax Bill | $1,298 (2025) |
| Deeds & Mortgages | Sep 2022 Reverse Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-18-26-0600-000-00400 |
| Primary APN | 26-18-26-0600-000-00400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,272 sqft Living Area |
| 1st Floor Area | 2,032 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 14,453 sqft (0.332 acres) |
| Lot Dimensions | 129 ft deep x 84 ft wide |
| View / Lot | Lake Front |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1127301 |
|---|---|
| Street Address | 37315 BEACH DR |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8854 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | SILVER LAKE PARK LOTS 4 5 PB 6 PG 16 ORB 1319 PG 622 ORB 6026 PG 2034 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 26 |
| Legal Subdivision | SILVER LAKE PARK |
| Legal Tract | 0600 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 30110 |
37315 Beach Dr is owned and occupied by an individual who acquired it in September 2022.
Source: Lake County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 20, 2022 | Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP |
| May 22, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 22, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 1994 · Amount on File |
| Deed Sale | Sep 20, 1994 · Amount on File |
| Deed Book / Page | 1319 / 622 |
| Last Transfer Date | Sep 14, 2022 |
| Transfer Doc | 0060262034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 20, 2022 |
| Property Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Document Number | 0060262034 |
| Book / Page | 6026 / 2034 |
| Map Reference | MB 6 PG 16 |
| Instrument Date | Sep 14, 2022 |
| Instrument | 2022126429 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Name | Verified Name |
|---|---|
| Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Document Number | 0060262036 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 6026/2036 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 671 Months |
| Due | Aug 9, 2078 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.24% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Document Number | 0049501887 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 37315 BEACH DR UMATILLA FL 327848854, UMATILLA, FL 32784-8854 |
| Document Number | 0049501887 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 004950/001887 |
| Instrument | 58144 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 732 Months |
| Due | May 29, 2078 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37315 BEACH DR, UMATILLA, FL 32784-8854 |
| Document Number | 0049501871 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 37315 BEACH DR UMATILLA FL 327848854, UMATILLA, FL 32784-8854 |
| Document Number | 0049501871 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 004950/001871 |
| Instrument | 58143 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 732 Months |
| Due | May 29, 2078 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 37315 Beach Dr was $1,298 with exemptions applied, up 1.9% from the year before.
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 | $107,610 (+2.9%) | $217,466 (-) Land $18,600 Building $198,866 | |
| 2025 | $1,298.00 (+1.88%) Homeowner's exemption Senior Citizen's exemption | $104,580 Land $18,600 Building $85,980 | $217,466 Land $18,600 Building $198,866 |
| 2024 | $1,274.00 (+20.53%) | ||
| 2023 | $1,057.00 (+18.63%) Homeowner's exemption Senior Citizen's exemption | $98,680 (+3%) | $158,738 (-) Land $18,600 Building $140,138 |
| 2022 | $891.00 Homeowner's exemption Senior Citizen's exemption | $95,810 | $158,738 Land $18,600 Building $140,138 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37315 Beach Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 37315 Beach Dr is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 | 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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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